Kristin Deaton - Mortgage Loan Originator FL, GA & SC

09/16/2026

I input a digital home equity line of credit (HELOC) application this morning on an investment property. Fast approval, she will likely close in TWO DAYS. Minimal information needed. Have home equity? Reach out.

➡️www.KristinDeaton.com

09/16/2026

Need home equity quickly? Message me, I have options!

➡️www.KristinDeaton.com

09/15/2026

📈 RATES ARE HIGHER. SO WHAT NOW?

Yes, mortgage rates are higher right now. But here’s the part buyers need to hear:

A higher-rate market can give you MORE negotiating power. 🏡

When there’s less competition, you may have more room to ask the seller for:

💰 Seller-paid closing costs
📉 A rate buydown
🏠 A lower purchase price
🔧 Repairs or upgrades
💵 Help with prepaid expenses

The goal isn’t always to get the lowest rate on day one.

The goal is to structure the BEST overall deal.

And remember: you can potentially refinance later if rates improve. You can’t go back and renegotiate the price you paid for your home. 😉

If you’ve been waiting for rates to drop before you buy, let’s run the numbers now. You may be surprised at what you can negotiate.

📲 Message me or apply today and let’s see what you qualify for. ➡️www.KristinDeaton.com

Kristin Deaton | Mortgage Loan Originator
Guild Mortgage | NMLS #966920

09/14/2026

𝐑𝐀𝐓𝐄𝐒 𝐀𝐑𝐄 𝐔𝐏. I said it. 👏🏼

So what does that mean? It’s time to negotiate.

🏠 Ask for a lower price.
💰 Ask for seller-paid closing costs.
📉 Ask for a rate buydown.
🏡 Ask for a new roof.
…and don’t be afraid to ask for more.

The worst they can say is NO.

Welcome to the 2026 housing market. Buyers have more opportunities to negotiate — so take advantage of them.

Don’t just buy the house. Negotiate the deal. 🔥

➡️ KristinDeaton.com

09/09/2026

September is Childhood Cancer Awareness Month🎗️In April, I closed a loan for first-time homebuyers, Bailey & Briana. During the homebuying process, they found out that their 3 year old son had neuroblastoma cancer. They have been living in the hospital, rather than their new home, and the battle has been hard on Brayden and his family as you can imagine.
𝐅𝐨𝐫 𝐞𝐯𝐞𝐫𝐲 𝐥𝐨𝐚𝐧 𝐈 𝐜𝐥𝐨𝐬𝐞 𝐢𝐧 𝐎𝐜𝐭𝐨𝐛𝐞𝐫 & 𝐍𝐨𝐯𝐞𝐦𝐛𝐞𝐫, 𝐈 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐝𝐨𝐧𝐚𝐭𝐢𝐧𝐠 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐦𝐲 𝐜𝐨𝐦𝐦𝐢𝐬𝐬𝐢𝐨𝐧 𝐭𝐨𝐰𝐚𝐫𝐝 Brayden the Brave.

GoFundMe link: https://gofund.me/b3f1dad76

Mortgage Application link: www.KristinDeaton.com hit apply now.

Any help, I know they will greatly appreciate! 🦸🏼‍♂️

08/21/2026

Mortgage Rate Check 📈

Mortgage rates are bouncing around again today. And here’s the important part: the rate you see online is NOT necessarily the rate you qualify for.

Your actual rate can vary based on your credit profile, loan type, down payment, property, and overall financial picture.

So if you’ve been waiting for rates to hit a certain number before making a move, don’t forget to look at the whole payment and your overall homeownership goals—not just the rate.

🏡 Thinking about buying?
💰 Wondering if refinancing makes sense?
💵 Contemplating a home equity loan or line of credit?
📊 Curious what today’s rates would mean for your monthly payment?

Send me a message. I’m happy to run the numbers and help you understand your options.

Kristin Deaton | Mortgage Loan Originator | NMLS 966920 | www.KristinDeaton.com

08/20/2026

Conventional, Jumbo, Bank Statement loans, whatever you need, I can do it! ➡️www.KristinDeaton.com

08/19/2026

This is GOOD NEWS for mortgage rates!❗️📉

Will lower rates happen instant? No. Is it a good step? YES.

Get off the sidelines. ➡️www.KristinDeaton.com

The US Treasury announced that it's doubling its repurchases of government debt to help the bond market out.

08/19/2026

Congrats Evan & Meagan on your new home! Thank you for allowing me to assist you!🏡

Thank you Amy Kolis for trusting us with your clients!

➡️www.KristinDeaton.com