Kettler Financial Incorporated

11/16/2025

In looking at the account page for Kettler Financial here, I see there are followers. I apologize for not staying current and we ha e witnessed a dramatic upturn and a lengthening of the curve toward the rates we so cherished several years ago. How many friends have shared or bragged "Well I locked in my loan at 3%". I locked in my loan at 2.75%.

In hearing this, it certainly can make us feel bad that we did not do thw same. That we did not "see that golden window of opportunity.

I want to share an important fact with all of you. When searching and seizing that lowest, most amazing unheard of interest rate, it is but a small percentage of persons that actually lock in and fund on that loan. You see there is this principle of the inverted bell curve. In this model the rock bottom is over a very small period of time. Yes, you could get that one day where it was the low low low rate. However most mortgage requests at that time funded near to that bottom, but not at the bottom.

Let's fast forward to today, as that is what. We are concerned with as we want to improve our financial positions. If we are buying and are uncertain about the timing, I state here that you proceed. Buy the house .

You are waiting? Waiting for what? Rates to go down? Have you reviewed Rates over the long run? If you have you will know that the rates today are reasonable. That they are pretty normal as far as history goes in residential lending.
When you wait based on the thought you will buy when rates go to X. You may NEVER get there. You are imposing an unrealistic criteria on your financial prosperity. While you wait, the hosting market carries on it way. That haoue you wanted to buy is now $300,000 more than it was 18 months ago. And you are still waiting. This is a longer discussion. I present this as an valuable example. I would like to hear from you and share specific actions I have taken to offset the higher rate environment. I feel strongly about this. We have strength in physical real assets. I believe in the ongoing health and longevity value of residential real estate. Be well, Lance

03/25/2025

02/28/2022

Underwriting conditions have become more logical now. What a blessing. Rates are still very compelling. Let's rock!

10/31/2021

Happy Halloween . This traditional celbration is a pleasant diversion from what has been a most challenging year so far. To protect our own health, our families, and our communities in the protracted state that we have endured has taken an emotional toll on all of us.

In the lending arena during this time we work with borrowers remotely and in person.The lending business has become completely automated on the lenders side. Processors , openers, and underwriting can be done all from a remote location (out of the physical office). With the smart invention of Docusign and it competitors, the borrower also is able to conduct 95%+ of the loan process from their home or car! Amazing breakthroughs in tech.

The final loan document step for the borrower still requires an original" wet" signature( on a physical sheet of paper) for about a dozen pages. The rest of what we used to have to sign when we went to escrow has been also digitized and can be "presigned" by the borrower,minimizing the time of physical work for the notary and borrower when signing those final loan docs, some of which must be recorded to authenticate that it really is you borrowing the money.

i hope this answers some of the most frequently questions I am asked since the pandemic arrived.

I am here working to be of service to you. Please let me know how I can help you with in your financial goals. Best always, Lancelot 310 424 0920

07/16/2021

Happy Friday to all

To serve you, and to keep you informed of changes continue to affect our landscape in the real world of lending money.

To wrap up our financial week I want to reiterate the huge amount of capital banks, credit unions, pension funds, private equity funds have right now. If you can imagine that loan people actually compete to give their money away!
Yes, it is the snap crackle pop of a lower than competitors rates for the day that get the investors attention as to where to place their loans. "A" paper loans( those people who qualify for fannie mae loan criteria) are so available and plenty right now.

The glut market of super low rate refinancing has subsided. We are back to normal funding times. Good news sometimes comes when rates tick up just a little to motivate people to act. As a realtor now is that time. The alarm clock has just rung. Hope your day is prosperous. Lance Kettler

12/26/2020

There is a saying " When the going gets tough, the tough get going".
It does not matter if you are young or older, small or taller, male, female or any other gender. What matters is that there is work to be done. There are project goals to meet. There is opportunity that runs concurrently with adversity. There are deals being made and escrow closing. There are people in need of a helping hand and there are hands ready and willing to aid those that have not.

Instead of moaning about having to wear a face mask in public be glad you have a face to put a mask on.

I remind myself of these base points when I get into that funk about what the pandemic does to me, to my workers. Instead I shake myself out of that depression quickly and move into an action albeit even a small progressive step to shift my focus and attitude.

Happy holidays. Blessings to you and your family today and always. Lance

11/12/2020

Our loan pipelines, despite a Fannie Mae increase of rates for refinances, remains huge. Even in an election year the machinery of finance continues to press ahead. We are in a time of value where making smart financial decisions will impact each of us for years to come. An obvious example is in my buisness of making loans. With 30 year fixed rates at their lowest numbers in 50 years+.
If you are on the fence about refinancing act now. This market cannot sustain itself for the long term. Please feel free to reply here of call Kettler Financial at 310 424 0920. Stay well and choose happiness when possible. L

10/07/2020

The words were on the page. It was a well written update as to what Kettler Financial was being successful at and the appreciation i had for rhe first time home buyer and multimillion dollar borrower. I pushed the send button. A prompt told me ro hit another button and P**F. Gone for good.

Here is my blessings to all of my borrowers. Current and past. My loyal and awesome chief of staff Julia ann rhe " back office" of system administrators. Life is real good today. Keep that in front of your vision, purpose, and delivery of what you do. Always remember that you matter. Regardless of what others may say or think about you. Know it is your win today. No one can take thay away from you. Lancelot

09/16/2020

When I started lending money business borrowers had two burning questions. "Do I qualify and what is the interest rate?"

Today in our hyper computer intelligence age, most borrowers tell me that they qualify and that they already know the interest rate they can get is x or y. What a shift in a business, that of lending money has been happening for for over 3,000 plus years.

I will conclude this brief update with an amazing feat. I am about close a fixed rate loan at 1.99%. Now that should get some traction here on this page.

Ask me how I did it.

Thank you all again for the business.

Lancelot