Craig Killen, Mortgage Loan Officer, PrimeLending, NMLS 180076

12/05/2025

12/05/2025

If you’ve been waiting for the right offer on your current home but don’t want to miss out on the next place that feels like a great fit, a bridge loan could give you some helpful flexibility.

The PrimeLending Home Transition LoanSM* lets you use a portion of your equity up front so you can move ahead with your purchase, settle in, and then complete the sale of your current home when the timing works out. Many buyers also like that they’re not relying on a contingent offer, which can open up more possibilities in a competitive market.

After your home sells, the equity is used to pay off the bridge loan.
If you want to get a sense of how this might work with your budget and timing, I’m happy to talk through the details with you.

Shoot me a message for all the details.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

12/04/2025

Winter can give you more negotiating power as a buyer because there are simply fewer people shopping. When competition drops, sellers are often more open to conversations about price, repairs, closing costs, or timing.

That shift can make it easier to shape an offer that works for your budget and your move-in plans, without the pressure you see in the busy season.

Getting ready to buy this winter? Let’s talk about how to use the quieter market to your advantage.

12/03/2025

There’s something about celebrating the season in a place that’s truly yours. If you’re hoping to be hosting in your own home next year, now is a great time to learn what your mortgage options could look like.

Getting prepped early can help you understand your budget, explore loan programs that fit your goals, and make a plan that feels realistic for your timeline.

Whether you’re looking for a smaller monthly payment, a low down payment option, or just a clear path forward, there’s usually more flexibility than people expect.

Reach out anytime and I’ll walk you through the steps so you can feel confident heading into the new year.

12/02/2025

A lot of buyers think they should wait for the “perfect” rate before starting their home search. The reality is you won’t know what’s possible for you until you get a custom rate quote based on your credit, your budget, and your loan options.

Online rates are general estimates. A custom quote shows your actual numbers — and many buyers discover they’re closer to their goal than they expected.

Waiting on a magic rate can cause you to miss out on the right home, the right timing, or the right pricing.

Getting your personalized quote now gives you clarity so you can make decisions confidently instead of guessing at the market.

DM me to get your custom rate quote today and see what’s possible with your actual numbers.

12/01/2025

If buying a home is on your 2026 list, now’s a great time to start setting yourself up for success. The habits you build before the year ends can make a real difference in how much you may qualify* for and what options you have when it’s time to apply.

Here’s where to start:

• Pay on time, every time. A strong payment history tells lenders you’re reliable and helps boost your credit.
• Tackle revolving debt. Paying down balances can improve your borrowing power and may even increase the amount you qualify for.
• Press pause on new credit. Holding off on new accounts keeps your credit profile steady and shows you’re a low-risk borrower.

These steps might seem small, but they add up and could put you in a stronger position when you’re ready to buy.

Contact me and I can help you see how these moves could shape your homebuying power for next year.

*All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.

11/20/2025

Georgia folks, if you are in the market, give this home a look. ☺️

This 1636 square feet Single Family home has 4 bedrooms and 3 bathrooms. It is located at 10 Sandberg Way, Dawsonville, GA.

12/27/2024

Leave your outdated kitchen in 2024 and start the new year off with a fresh space you’ll love. Here are some ideas to get you started:

• Add the statement island you’ve always wanted.
• Brighten up your space with elegant pendant lights or sleek recessed lighting.
• Install new butcher block countertops for easier prep and cleanup, plus a timeless look.

If you have other visions for your kitchen, drop them in the comments!

12/26/2024

It’s time to talk about credit scores. Every credit score is composed of 5 factors, some of which are larger pieces of the overall puzzle. Here’s what goes into a credit score:

• Payment history (35%)
• Amounts owed (30%)
• Length of credit history (15%)
• New credit and inquiries (10%)
• Types of credit (10%)

Have questions about mortgage options for your credit score? Let’s talk!

12/25/2024

Wishing everyone a Merry Christmas and Happy Holiday Season!

May this time bring you peace, joy, and meaningful moments with loved ones.

12/24/2024

Your home is the perfect stage for creating holiday magic! Owning a home makes it easier to accommodate guests in a warm, welcoming space. Plus, your home reflects who you are, making it the ideal backdrop for creating holiday traditions.

Invest in your home to make it the best place to celebrate and share joy this season!

Ready to find a place to create lasting memories? Send us a DM to get started.

12/23/2024

If you're ready to give yourself the gift of homeownership, my team is here to make the mortgage process as simple as possible.

With a catalog of more than 400 loan options, there's something waiting for you to discover.

DM us today to start shopping for your future.