Jimmy D. Kerr, Mortgage Professional

Jimmy D. Kerr, Mortgage Professional Jimmy Kerr, Branch Manager NMLS #635522
NMLS: 8259 | nmlsconsumeraccess.org | Equal Housing Lender Jimmy D.

Kerr
NMLS #: 635522
Kentucky License #: MC93733
Cell #: (606) 534-1194
http://www.nmlsconsumeraccess.org

The house hunting experience gets a whole lot more fun when you already know your numbers...Getting pre-approved before ...
06/11/2026

The house hunting experience gets a whole lot more fun when you already know your numbers...

Getting pre-approved before you start searching can help you shop with more confidence, move faster, and avoid falling in love with homes outside your budget.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org This is not a commitment to lend. Qualifications apply. See representative for details.

📊 Weekly Mortgage Rate Update – Week of June 11Mortgage rates eased for the third consecutive week, with the average 30-...
06/11/2026

📊 Weekly Mortgage Rate Update – Week of June 11

Mortgage rates eased for the third consecutive week, with the average 30-year fixed rate now sitting around 6.68%.

That’s down from last week’s 6.71%, continuing a gradual improvement we’ve been tracking over the past several weeks.

📉 What’s driving rates this week?

• Inflation continues moving in the right direction
• Markets remain optimistic about potential Fed rate cuts later this year
• Treasury yields have softened compared to recent highs
• Investors are closely watching upcoming economic data for signs of further cooling

🏠 While rates have improved, affordability remains a challenge for many buyers. Home prices remain elevated in many markets, and inventory levels vary significantly by area.

The takeaway:

✅ Rates have now improved for three straight weeks
✅ Economic conditions are becoming more favorable for borrowers
✅ Preparation still beats trying to perfectly time the market

If you’re considering buying, refinancing, or simply want to understand how these changes impact your purchasing power, I’d be happy to help.

📞 (606) 534-1194
📍 3780 North Mayo Trail Suite 201, Pikeville, KY 41501

📖 Sources:

Wall Street Journal:
https://www.wsj.com/buyside/personal-finance/mortgage/mortgage-rates-today-6-11-2026

Yahoo Finance:
https://finance.yahoo.com/personal-finance/mortgages/article/mortgage-refinance-interest-rates-today-thursday-june-11-2026-100000642.html

U.S. News Money:
https://money.usnews.com/loans/mortgages/articles/mortgage-rates-today-june-11-2026

NerdWallet:
https://www.nerdwallet.com/mortgages/news/mortgage-rates-today-thursday-june-11-2026

Norada Real Estate:
https://www.noradarealestate.com/blog/mortgage-refinance-rates-today-june-11-2026/

06/11/2026

Renting Feels Safer… But Is It Really? 🤔🏡

A lot of people rent because it feels safer.

No long-term commitment.
No maintenance surprises.
No mortgage.

But let’s look at the other side… 👇

👉 Rent can increase year after year
👉 You’re building equity for your landlord—not yourself
👉 You have limited control over your housing costs
👉 At the end of the lease, you own… nothing

Meanwhile, homeownership can offer:

🏡 Stability
📈 Equity growth
🔑 A place that’s truly yours

Now, buying isn’t right for everyone.

But don’t assume renting is the safer financial choice without looking at the numbers.

📩 Message me and let’s compare your rent payment to a potential mortgage payment.

06/10/2026

Summer Fridays feel a little different when the porch is yours.
Late sunsets, slower evenings, and a space that feels like home.
If buying has been in the back of your mind lately, this might be your sign to start exploring your options.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

06/10/2026

Why Starting Early Gives Homebuyers a HUGE Advantage 🏡👇

One of the biggest mistakes future homebuyers make?

Waiting until they’re ready to buy before they start preparing.

The buyers who have the smoothest experience usually start early.

Why? 👇

👉 They know their budget before they fall in love with a house
👉 They have time to improve their credit if needed
👉 They can build savings with a goal in mind
👉 They avoid last-minute surprises
👉 They’re ready when the right home hits the market

Starting early doesn’t mean buying tomorrow.

It means giving yourself options.

The more time you have, the more control you have.

📩 Message me and let’s create a game plan—even if buying is still months away.

One of the fastest ways to make your loan originator nervous?Making a major purchase before closing.New cars.Furniture s...
06/09/2026

One of the fastest ways to make your loan originator nervous?
Making a major purchase before closing.

New cars.
Furniture sprees.
“Just putting it on the card for now.”

Big purchases can impact your credit, debt-to-income ratio, and overall loan approval process more than most buyers realize.
Moral of the story:
Maybe wait until after closing for the celebratory shopping trip


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

06/09/2026

The Biggest Fear Homebuyers Have (And Why It Stops So Many People) 😟🏡

Want to know the biggest fear most homebuyers have?

It’s not interest rates.
It’s not finding the right house.

It’s this:

👉 “What if I can’t afford it?”

I’ve talked with hundreds of buyers over the years, and many spend months—or even years—assuming they aren’t ready.

Then we sit down, review the numbers, and they discover they were much closer than they thought.

The fear of buying a home is normal.

But making decisions based on assumptions instead of facts can cost you opportunities.

The good news?

You don’t have to commit to buying a home today.

You just need to know where you stand.

📩 Send me a message and let’s replace uncertainty with a plan.

06/08/2026

🐾 Lending Paws Spotlight: Coco 🐾

Meet Coco, a six-month-old German Shepherd mix with a bright future ahead. This smart young pup is eager to learn and is looking for a family who can help guide her through puppyhood and into adulthood.

With her intelligence, sweet personality, and endless potential, Coco is ready to find the forever home she deserves. Stockton Mortgage is proud to sponsor Coco as this week's Lending Paws Spotlight.

Ready to meet Coco? Learn more and apply today!
https://www.lifehouse4animals.org/dog/coco-5798-d/

PMI is one of the most misunderstood parts of the homebuying process, but it can help make homeownership more accessible...
06/08/2026

PMI is one of the most misunderstood parts of the homebuying process, but it can help make homeownership more accessible for buyers who don’t put 20% down.
The more you understand how PMI works, the more confident you can feel navigating the buying process.

Want to learn more?
Check out our blog post here: https://stockton.com/blog/2018/12/20/getting-rid-of-private-mortgage-insurance-pmi/


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

The little moments today can shape the future someone grows into tomorrow.For a lot of families, homeownership is about ...
06/05/2026

The little moments today can shape the future someone grows into tomorrow.
For a lot of families, homeownership is about more than buying a house. It’s about creating stability, building memories, and having a place future generations can always come back to.

Sometimes the first step starts with simply making a plan.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

Address

3780 N Mayo Trl
Pikeville, KY
41501

Telephone

+16064326832

Website

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