Kevin Hawes NMLS 281525 - Ability Mortgage

05/08/2026

"Kevin and his team made the process absolutely seamless and we had no issues whatsoever throughout the whole home buying experience! We absolutely recommend him and his team if you want someone who will fight for you, and not only get the best deal, but the best overall experience. Thank you so much, Kevin & team!" says Owen

★★★★★ Kevin and his team made the process absolutely seamless and we had no issues whatsoever throughout the whole home buying experience! We absolutely recommend him and his team if you want someone who will fight for you, and not only get the best deal, but the best overall experience. T...

03/11/2026

Excited about the fluctuating 10-year rates? 🌤️ As markets start showing signs of improvement, now's a great time to brush up on your mortgage knowledge. A recent bump in the 10-year, mainly due to rising oil prices, has caught our attention – feeling like a rollercoaster or what?

Fear not, we're optimistic this is a short-lived scenario and expect better news in weeks to come. If you're curious about how these changes could impact your homeownership journey, I'm here to help you traverse this dynamic market landscape.

Questions about where things might be headed? Feel free to reach out. Let's make this real estate season memorable together.🏡

AbilityAmbeckMortgage

03/03/2026

Hard to believe we’re already two months into 2026… 😳

How are those New Year’s resolutions holding up?

Big goals fail without small habits.

Inspired by Atomic Habits — tiny improvements compound fast. 📈

If homeownership is one of your 2026 goals, message me. Let’s make it happen. 🏡

Cheers!

03/02/2026

🎉 Exciting news for homebuyers and those looking to refinance: the 10-year Treasury has dipped below 4%! 📉 This shift brings the average 30-year mortgage rate to an attractive 5.99% – a great break from recent years.

Take advantage of these promising market conditions, but remember, your rate will depend on personal factors like credit score and debt-to-income ratio. Whether you're dreaming of a new home or eyeing a refinance, these rates present a great opportunity.

Feeling inspired to make a move? Got questions about your next mortgage? I'm here to help! Let's chat about your plans for 2026 and beyond. Here's to new beginnings as we move into March. Cheers!

02/04/2026

Wondering why your Credit Karma score seems higher than what lenders report? Common question! It's all about scoring models. Credit Karma uses VantageScore, but for mortgage decisions, we look at Experian FICO 2, Equifax FICO 5, and TransUnion FICO 4. These focus more on late payments and balances, which can impact your score significantly.

Have more credit questions or need clarity on your mortgage journey? Let's chat! Comment below or send me a DM, and I'll be happy to help.

Don't forget to follow for more insights and tips on navigating your mortgage with confidence!

01/30/2026

Good news on the mortgage front.

The Fed held rates steady in their latest meeting, and expert predictions put 2026 mortgage interest rates between 5.5% to 5.75%! 🙂

This is great news for homebuyers and those planning to refinance.

With inflation, job reports, and a new Fed chair on the horizon, now's a prime time to plan for your financial future.

Got questions about how these changes might impact you? I'm here to help.

Let's navigate your mortgage options together and set the stage for your next big move.

Let's chat!

01/29/2026

"The process was quick and painless your team especially Therese was amazing! I would recommend you, your team and your company for everyone’s mortgage needs." says teamdeb72 on Zillow

★★★★★ The process was quick and painless your team especially Therese was amazing! I would recommend you, your team and your company for everyone’s mortgage needs.

01/27/2026

Good Afternoon, Ripon! 🌞

It's your friendly neighborhood Mortgage Loan Officer, Kevin, here to remind you how our community's heart beats the strongest when we come together.

This Thursday, January 29th, join Love Ripon from 4 to 8 p.m. for a fun night out or grab some tasty takeout in support of our beloved community.

Eager to make a difference? Place your takeout orders by today - 5PM and make sure a portion of your meal supports Love Ripon.

Check out the flyer attached for all details!

Together, let's continue to uplift the soul of our community.

Are we seeing you there this Thursday? Let me know in the comments below!

01/16/2026

Just wrapped up an incredible branch managers meeting with American Pacific Mortgage, and one word stood out: IMPACT.

Impact on our clients.
Impact on our partners.
Impact on our communities.

The real question is — how are we making the world around us better? How can we show up, serve more, and truly make a difference in 2026?

I’d love to know: What kind of impact are you committed to making? Let me know 👇

Cheers

01/12/2026

Excited to share some major updates in our mortgage business-this one can be a game changer!

Cheers!