Kellen Wing

Kellen Wing Caliber Home Loans, Inc. NMLS ID #15622. Equal Housing Lender. 1525 S. This is not an offer to enter into an agreement. Not all customers will qualify. CL-15622.

Belt Line Rd Coppell, TX 75019 (https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/15622). 1 800-401-6587. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations apply. Caliber cannot accept mortgage loan a

pplications or inquiries for properties located in New York through this site. Washington Consumer Loan Company License No.

How do you start establishing credit when you're young? Here are 2 tips: 1. If you have a family member willing - you co...
03/23/2022

How do you start establishing credit when you're young?

Here are 2 tips:

1. If you have a family member willing - you could ask to be added as an "authorized user" to one of their credit cards. This will help you inherit their good credit! ** Make sure they have no lates on this card though!!

2. You can also apply for a secure credit card from a larger bank on your own! (Revolving credit lines always seem to help the fastest just FYI).

If you have no credit at all, most companies will want you to put, say, $300 down, and then will issue you a card based on your own money deposited.

They do this to limit their risk so it is your money, but the credit companies will start seeing your ability to make a payment which is what you want!

Send this post to those graduating HIGH SCHOOL this year so we can help them as early as possible!!

Is a 15 year mortgage always better than a 30 year? Yes, the interest rate is cheaper so naturally we think the answer i...
03/22/2022

Is a 15 year mortgage always better than a 30 year?

Yes, the interest rate is cheaper so naturally we think the answer is YES, right?

But, we ran an analysis for this client showing a 30-year mortgage strategy with a lower monthly payment (than the 15 year) and taking this $661 monthly difference and investing it into a brokerage account INSTEAD of applying it all to the mortgage.

Based off our analysis, the numbers found that investing the difference while letting the money compound... created a higher net worth for them vs. taking the lower interest rate and paying off their mortgage faster with the 15 year strategy!!!

This is the difference when working with a true Mortgage Advisor!

We help educate you on finding creative ways to leverage real estate while building your net worth FASTER using the same amount of money - just a different strategy.

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People often assume their credit or down payment isn't "good enough" to obtain a home loan. But, the #1 reason people g...
03/21/2022

People often assume their credit or down payment isn't "good enough" to obtain a home loan.

But, the #1 reason people get denied - is due to their monthly expenses.

And the biggest payment is usually the car loan!

So, if you haven't purchased a home yet... be careful on how much you spend on a car!

It is never too early to start the homebuying process with a lender's eye so we can create the perfect "guide" that helps you get there faster with absolute clarity so you aren't winging it on your own (or spending more money if trying to fix credit issues that may not be needed).

Let me know if you need help!!

Did you know naps are good for both children and adults?Many studies point out nap time reduces daytime sleepiness, as w...
03/18/2022

Did you know naps are good for both children and adults?

Many studies point out nap time reduces daytime sleepiness, as well as boosts learning and performance.

For shift workers, naps can improve alertness and reaction times.

So in honor of - make sure you're getting enough sleep even if that means a quick nap!

Feeling grateful and lucky to have clients and realtors trust us with their home loan needs! Happy St. Patrick's Day!
03/17/2022

Feeling grateful and lucky to have clients and realtors trust us with their home loan needs!

Happy St. Patrick's Day!

When you're buying a home the mortgage lender will tell you to avoid "hard credit pulls." The reason is because a hard c...
03/16/2022

When you're buying a home the mortgage lender will tell you to avoid "hard credit pulls."

The reason is because a hard credit pull could impact your FICO score whereas a soft will not.

March Madness is HERE... but you know what else is madness? These rent increases! U.S. rent costs have risen almost 20...
03/15/2022

March Madness is HERE... but you know what else is madness?

These rent increases!

U.S. rent costs have risen almost 20% since 2021!

Ready for more payment security and the ability to earn equity? Let's chat!

Does anyone remember what the PI ratio measures? I'll give you a hint... it has to do with a CIRCLE.
03/15/2022

Does anyone remember what the PI ratio measures? I'll give you a hint... it has to do with a CIRCLE.

Did you know your credit card has a "Due Date" and a "Reporting Date?" You should always make your payment by the "Due D...
03/12/2022

Did you know your credit card has a "Due Date" and a "Reporting Date?"

You should always make your payment by the "Due Date"- but even better is knowing when the credit company reports the balance to Experian, Transunion, and Equifax which is the REPORTING date!

Why?

Because even if you pay your balance off in full every month - but you don't do it before the REPORTING date - then your credit utilization could appear higher than what it is.

Anytime your utilization is above 30% it can really impact your score.

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I love how creative people are getting in their homes... Need another office space? Try turning a closet into a desk spa...
03/11/2022

I love how creative people are getting in their homes...

Need another office space?

Try turning a closet into a desk space!

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What do you think the average FICO score is? 16% have a score of 650-69923% bw 700-74939.4% bw 750-799So many clients, e...
03/10/2022

What do you think the average FICO score is?

16% have a score of 650-699
23% bw 700-749
39.4% bw 750-799

So many clients, especially first-time homebuyers, think they need a 700+ FICO score to buy a home but that is not the case!

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The best way to WIN in this market - is to know your opponent. Our realtor partners are the very best there is when it c...
03/09/2022

The best way to WIN in this market - is to know your opponent.

Our realtor partners are the very best there is when it comes to finding out what the seller wants.

"What are the BEST terms your seller is looking for? Do they need a lease back? A Quick close?

Don't just submit the offer - find out what the seller needs!

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Address

Lynnwood, WA
98037

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

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