Kera Caldwell - Mortgage Advisor

06/05/2026

06/02/2026

5.0 star review received on Experience.com for Kera Caldwell by Presley R - the BEST person ever!! she helped me so much to buy my first home it was so easy with her. highly recommended!

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05/26/2026

5.0 star review received on Experience.com for Kera Caldwell by Israel M - Was very helpful in finding a house, paperwork, the overall process. Was very kind and always answered any questions we had. Was also very patient with us as first time home buyers as well.

Click to see all 11 reviews of Kera Caldwell, Mortgage Loan Advisor

05/15/2026

Yearbook Photo 2026. 💕

05/14/2026

Almost half of home sales right now include the seller helping cover the buyer’s closing costs. Last year, it was only about 27%.

That matters more than most people realize.

For many first-time buyers, it’s not the monthly payment that stops the deal. It’s the cash needed to close.

You save for the down payment… then suddenly find out you may need another $8,000 to $15,000 for closing costs alone.

That’s where seller concessions can make a huge difference.

On a $375,000 home, average closing costs are around $11,000. If the seller covers those costs, that’s $11,000 you keep in your pocket.

That could mean:
• keeping your emergency savings intact
• furnishing your new home comfortably
• avoiding unnecessary financial stress after closing

In today’s market, more sellers are open to helping buyers than people think.

If you’re planning to buy, don’t assume you have to cover every expense yourself. We can easily discuss structuring your offer with seller concessions.

The right strategy can make homeownership happen sooner than you expected.

05/08/2026

5.0 star review received on Experience.com for Kera Caldwell by Tyrique C - Kera was Amazing in the home buying process always was on top of things she needed from me to make the process go smooth and quick would definitely recommend her to anyone thats looking for a house

Click to see all 10 reviews of Kera Caldwell, Mortgage Loan Advisor

05/08/2026

5.0 star review received on Experience.com for Kera Caldwell by Rebecca W - As a first time home buyer with all the jitters and uncertainty of what to expect when buying a home, Kera was extremely helpful. She guided me the whole way, gave me a peace of mind and reduced the stress of the buying process. It did not matter what time I called or texted Kera, she would always answer and that is almost unheard of these days to have someone so committed to their clients. Thank you for all your help!

Click to see all 9 reviews of Kera Caldwell, Mortgage Loan Advisor