Kevin Dull - KD The Broker

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Kevin Dull - KD The Broker Sr. MLO, NMLS #903538

Helping homeowners SAVE $$$! EDGE HOME FINANCE, LLC NMLS # 891464
5860 Baker Road,Minnetonka, MN 55345 Ready to take the next step?

Whether you're buying your first home, refinancing, or investing, I'm here to guide you every step of the way. No matter if you’re buying, selling, refinancing, or building your dream home; it’s important to work with an experienced and knowledgeable team. As an expert Personal Mortgage Advisor, I have the knowledge and resources you need in order to stay current with market conditions and frequently changing mortgage programs. Ensuring that you make the right choice for you and your family is my ultimate goal. Use the secure online application via my website to get started. After you’ve applied, I’ll call you to discuss the details of your loan. As always, you may contact me anytime by phone or email for personalized service and expert advice. I look forward to helping you into the home of your dreams!

🏡 WHERE ARE MORTGAGE RATES HEADED? 📉 📈October could be a pretty important month for the mortgage market, especially as w...
10/13/2026

🏡 WHERE ARE MORTGAGE RATES HEADED? 📉 📈

October could be a pretty important month for the mortgage market, especially as we start looking ahead to 2027.

Here's what I'm watching closely:

🏦 October 27–28 Federal Reserve Meeting: Will the Fed hold steady or make another move? More importantly, what will they signal about interest rates heading into 2027? Remember, the Fed doesn't directly set mortgage rates, but its decisions and commentary can certainly move the bond market.

📊 Inflation & Economic Reports: CPI, PPI, and other economic data help tell us whether inflation is cooling or remaining stubborn. Stronger-than-expected inflation can put upward pressure on mortgage rates, while softer readings could provide some relief.

🏠 Housing Market: We're seeing signs of the typical fall slowdown in listings and buyer activity. For buyers, that could mean less competition and potentially more negotiating power.

🔮 Looking Ahead to 2027: Could we finally see some meaningful mortgage rate improvement? Possibly, but inflation, Fed policy, and the bond market will have a lot to say about that.

I've been in the mortgage business for nearly 15 years, and I follow these markets daily because there's a lot more to mortgage financing than simply quoting today's interest rate.

Curious where rates might be headed? Thinking about buying or refinancing in 2027?

Drop a question in the comments or shoot me a message. I'm always happy to talk through what's happening and what it could mean for you!

This is a REAL example from a recent borrower of mine. 👇FICO: 585VantageScore: 677Same borrower. 92-point difference. 😳T...
10/06/2026

This is a REAL example from a recent borrower of mine. 👇

FICO: 585
VantageScore: 677

Same borrower. 92-point difference. 😳

That's not a small difference when you're trying to qualify for a mortgage.

A 585 score can limit your options pretty quickly.

But because I have access to lenders that can use VantageScore, this borrower had a qualifying score of 677 — which can completely change the conversation around available loan programs, pricing and even purchasing power.

This is one of those things most homebuyers would never know to ask about.

And honestly, they shouldn't have to.

Part of my job is knowing which lenders and programs give each borrower the best opportunity based on THEIR situation — instead of trying to squeeze everybody into the same box.

If you've been told your credit score is too low to buy a home, don't automatically assume that's the end of the conversation.

Send me a message. Let's take another look. 🏡

💳 Credit cards. Car payments. Personal loans.If it feels like everything has gotten more expensive lately, you're defini...
09/29/2026

💳 Credit cards. Car payments. Personal loans.

If it feels like everything has gotten more expensive lately, you're definitely not imagining it.

U.S. credit card balances are now around **$1.26 TRILLION** — and the average rate on credit card accounts being charged interest is over **22%**.

Meanwhile, many homeowners are sitting on significant equity in their homes.

That creates an opportunity worth looking at.

🏠 **Your home equity could potentially be used to consolidate higher-interest debts and significantly reduce the amount going out each month.**

And if you already have a great rate on your current mortgage, I’m not automatically going to tell you to refinance it.

We can look at:

• HELOC options — including **FIXED-RATE HELOCs**
• Cash-out refinance options
• Paying off credit cards or other higher-interest debt
• Accessing equity for investments, another property, renovations or other financial goals

The best part of working with me?

I can shop multiple lenders and compare different strategies to figure out which option actually makes the most sense for YOUR situation.

You may have more options sitting inside your home than you realize.

📲 Message me **“EQUITY”** and I’ll help you run the numbers. No pressure — just a side-by-side look at your options.

Why go to ONE bank when I can shop 150+ lenders for you? That’s one of the biggest advantages of working with a mortgage...
09/21/2026

Why go to ONE bank when I can shop 150+ lenders for you?

That’s one of the biggest advantages of working with a mortgage broker. I’m able to compare different lenders, rates, costs and loan programs to find the option that makes the most sense for you — instead of trying to make you fit into one lender’s box.

Buying a home? Refinancing? Already have a quote and want a second opinion?

Send it my way. I’ll shop it and let you know how it stacks up. 👍

📲 Free quotes & preapprovals anytime.

Real estate agents! Help unlock homeownership for more clients! With solutions for as little as 3% down, we can help ope...
09/12/2026

Real estate agents! Help unlock homeownership for more clients! With solutions for as little as 3% down, we can help open doors to their dream home sooner. Message me to explore these options for your clients!

Two purchase loans submitted yesterday. Two approvals today. 🔥That’s the Broker Difference.For my Realtor partners, spee...
08/26/2026

Two purchase loans submitted yesterday. Two approvals today. 🔥

That’s the Broker Difference.

For my Realtor partners, speed matters. When your buyer is under contract, you shouldn’t be wondering whether the lender is keeping up with the transaction.

✅ Fast underwriting
✅ Clear communication
✅ Competitive wholesale options
✅ Problems addressed early — not days before closing

These two buyers went from submission to approval in ONE DAY.

Realtors — can your lending partner do that consistently?

If you’re looking for a mortgage partner who can help you write stronger offers, keep transactions moving, and get your clients to the closing table, let’s connect.

The answer is obvious. No matter what you need help with, I'm here for you every step of the way on your homeownership j...
08/25/2026

The answer is obvious. No matter what you need help with, I'm here for you every step of the way on your homeownership journey. Reach out today!

Did you know a temporary rate buydown could potentially make your initial mortgage payments more affordable? Examples: 2...
08/13/2026

Did you know a temporary rate buydown could potentially make your initial mortgage payments more affordable?

Examples:
2-1 Buydown: Rate is 2% lower for year one, 1% lower for year two
1-0 Buydown: Rate is 1% lower for year one

Reach out today to see how you could get the flexibility you need in the early stages of your next home purchase.

No matter your situation, you might benefit from a cash-out refinance or heloc. You could cash out up to 89.99% of your ...
08/10/2026

No matter your situation, you might benefit from a cash-out refinance or heloc. You could cash out up to 89.99% of your home's equity to use towards credit cards, home improvement, or financial goals.

📞Give me a call and I'll help you compare the options and numbers.

The latest Jobs Report painted a much different picture of the economy than many expected.📉 July actually LOST 23,000 jo...
08/07/2026

The latest Jobs Report painted a much different picture of the economy than many expected.

📉 July actually LOST 23,000 jobs, compared to expectations for an 80,000 job gain.

Even more telling, May and June were revised sharply lower, cutting a combined **103,000 jobs** from prior reports. That's why economists pay close attention to revisions, not just the headline number.

The unemployment rate dipped from 4.2% to 4.1%, but there's an important catch...

Nearly **264,000 people left the labor force**, so they were no longer counted as unemployed. That's very different from adding hundreds of thousands of new jobs.

What does this mean for mortgage rates?

Mortgage rates generally follow the bond market, and bond investors tend to favor signs of a slowing economy. A weaker labor market can reduce inflation pressure and make future Federal Reserve rate hikes less likely, which can be supportive for mortgage rates.

No one knows exactly where rates will go next, but reports like today's are one of the biggest economic indicators lenders and mortgage professionals watch each month.

If you're planning to buy a home, refinance, or you're simply wondering whether waiting makes sense, now is a great time to have a conversation and build a strategy before the market changes again.

📲 Send me a message anytime if you'd like to review your options.

Address

Powell, OH
43065

Opening Hours

Monday 8:30am - 7pm
Tuesday 8:30am - 7pm
Wednesday 8:30am - 7pm
Thursday 8:30am - 7pm
Friday 8:30am - 7pm
Saturday 9am - 12pm

Telephone

+17406023202

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