Chris Karns Mortgage-Inc NMLS 918977

Chris Karns Mortgage-Inc NMLS 918977 I'm passionate about helping people finance the home of their dreams! I can help in many situations.

05/27/2026

No surprises. No delays. Just a smooth ride to closing day.

> "From start to finish, working with Chris Karns was an exceptional experience. He took the time to explain every step of the process clearly, answered all our questions promptly, and made sure we felt confident with each decision. His professionalism, transparency, and attention to detail truly set him apart. What really impressed me was how smoothly everything went — no surprises, no delays, just a stress-free path to closing."
> — Tony L. ★★★★★

That's the goal every single time — get you to closing with confidence, without the chaos. Chris runs a tight process so you don't have to worry about it.

app.mymortgageblueprint.com

→ See your blueprint: app.mymortgageblueprint.com

Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender



Music: "Energizing" Kevin MacLeod (incompetech.com) — CC-BY 4.0

05/20/2026

A lot of lenders will tell you no. Chris looks for a way to tell you yes.

> "We had an awesome experience with Chris. When many people told us no he found a way to help us out and say yes. He was attentive the whole time to our wants and concerns. I hear bad things about people not knowing certain things when buying a home but with him everything was very transparent. Thanks again Chris for your hard work and getting us into our new home. Would 100% recommend him and would do business with him again if needed."
> — Elias G. ★★★★★

If you've been turned away before, don't give up. Chris digs in, looks at your full picture, and gets creative. No surprises, no hidden details — just transparent, hardworking help getting you through the door.

app.mymortgageblueprint.com

→ See your blueprint: app.mymortgageblueprint.com

Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender



Music: "Nowhere Land" Kevin MacLeod (incompetech.com) — CC-BY 4.0

05/13/2026

Buying a home is one of the most stressful things you'll ever do. It doesn't have to feel that way.

> "Chris Karns was absolutely amazing throughout our home-buying journey. He answered all our questions with patience and clarity, and we never once felt left in the dark. Buying a home can be incredibly stressful, but Chris made the entire process smooth and manageable. His professionalism, communication, and dedication truly stood out. We couldn't have asked for a better experience — highly recommend!"
> — Nadeen R. ★★★★★

Clear communication. Real answers. No guessing games. When you work with Chris, you know exactly where you stand — every step of the way.

app.mymortgageblueprint.com

→ See your blueprint: app.mymortgageblueprint.com

Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender



Music: "Easy Lemon" Kevin MacLeod (incompetech.com) — CC-BY 4.0

05/09/2026

I got tired of sending clients to mortgage calculators that were built to harvest phone numbers.

You've seen them. You type in your info to get a quick monthly estimate, and the next day your phone is ringing off the hook with twelve lenders you never asked to hear from. That's not a calculator. That's a bait trap.

So I built my own.

The one inside my Mortgage Blueprint Pro app uses real numbers. Real tax estimates. Real insurance ranges for West Texas. Real monthly payment math — not the watered-down version that ignores escrow to make the payment look pretty.

No phone number required to run the math. No email dripped for six months. Just answers.

I did it because I think people making a six-figure financial decision deserve real information up front, not a sales funnel in disguise.

app.mymortgageblueprint.com

If you want to talk through real numbers after you run them — that's on your terms. 432-203-5941.



Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender

People ask me sometimes – "Chris, why the Permian Basin? Why not Dallas, Austin, Houston where the deal volume is bigger...
05/06/2026

People ask me sometimes – "Chris, why the Permian Basin? Why not Dallas, Austin, Houston where the deal volume is bigger?"

Honest answer: because this is home.

I chose to build my mortgage business in Midland and Odessa because these are the people I actually want to serve. The oilfield families. The small business owners. The teachers, first responders, and pastors. The folks who work hard all week and just want to own the house they grow up in.

Big-city lenders don't know this market. They don't know how oilfield pay cycles work. They don't understand 1099 income from service companies. They get a West Texas file, panic at the paperwork, and decline it – or worse, drag it out for 60 days.

When I say I know this community, I mean it. I live here, I work here, and I'm invested in seeing it grow.

The Permian Basin built a lot of people. Loyalty matters out here. Handshakes still mean something.

That's why I'm here. And I'm not going anywhere.

Chris Karns – 432-203-5941



Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender

05/06/2026

Some relationships are built to last — even across continents and years.

> "I met Chris when I was working on the Mosul Dam in Northern Iraq and he helped me buy my first house years later. He was incredibly thorough and helpful in guiding me through the process, especially being my first home and first mortgage."
> — Michael W. ★★★★★

Michael was halfway around the world when they first connected. When he was ready to put down roots back home, Chris was still there — ready to walk him through every step of his first mortgage.

If you're ready to buy your first home and want someone who's actually in your corner, that's what Chris does.

app.mymortgageblueprint.com

→ See your blueprint: app.mymortgageblueprint.com

Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender



Music: "Water Lily" Kevin MacLeod (incompetech.com) — CC-BY 4.0

Let's kill a myth I hear every week out here in the Permian Basin: "I'm self-employed, so I can't qualify for a mortgage...
05/04/2026

Let's kill a myth I hear every week out here in the Permian Basin: "I'm self-employed, so I can't qualify for a mortgage."

Not true. You can absolutely qualify. The documentation looks different — that's the only real change.

Here's what lenders typically want to see:

- 2 years of self-employment history
- Tax returns (usually the last 2 years) OR bank statements for bank-statement programs
- Strong credit helps you access more options and low down payment programs
- Stable or growing income trend

If you've been writing off every dollar to minimize taxes, that can affect qualifying income — but there are programs built for exactly that situation.

I've closed loans for oilfield contractors, small business owners, and 1099 folks all over Midland and Odessa. It's not impossible. It just requires the right game plan.

If you've been told "no" before, call me. Let's look at your actual numbers.

Chris Karns — 432-203-5941



Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender

05/02/2026

Saturday thought for anyone thinking "maybe this summer."

Spring is the busiest stretch of the year in Midland and Odessa. Listings move faster. Offers come in cleaner. The buyers who win aren't always the ones with the most money — they're the ones who ran their numbers early.

Here's what "early" actually means:
- Knowing your real monthly payment range, not a rough guess
- Having a pre-approval letter ready before you fall in love with a listing
- Understanding your down payment options, including the programs most folks don't know exist

A 20-minute phone call today can save you weeks of scrambling later.

No pressure. No sales pitch. No "fill out this form and we'll call you back Monday." Just a conversation.

432-203-5941. I answer my own phone.



Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender

05/01/2026

Will rates finally drop? 📉

The Fed held steady in April, but with inflation still at 3.3%, the "wait and see" game is getting risky. So, here is the breakdown of today’s rates and why locking in now might be your smartest move.

Don’t let the market catch you off guard. Lock in while they're stable so you're protected! 🏠✨

(Link in Bio for a custom quote! 🔗)

04/30/2026

Honest moment.

The loans I'm proudest of aren't the easy ones. They're not the folks with 800 credit and 20% down who could walk into any bank in Texas and get the same deal.

The ones I think about are different.

The single mom who had been told "no" twice and left every meeting feeling smaller. The young couple who thought they'd never own anything because of one bad year on their credit report. The veteran who didn't realize his VA benefit was still good after all that time. The self-employed contractor in Odessa who was convinced his tax returns made him unfinanceable.

Those are the ones I carry with me. Not because the deals were clean — they weren't. Because they trusted me enough to try again after someone else had told them no.

If somebody in your life has been told "no" on a mortgage and walked away embarrassed, tell them one conversation doesn't have to be the final word. A second look from someone willing to actually listen can change a story.

432-203-5941. I answer my own phone.



Chris Karns | NMLS #918977 | Mortgage Inc NMLS #2028516 | Licensed in Texas | Equal Housing Lender

Address

Midland, TX
79701-12

Telephone

(432)2035941

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