Kim Luckey Mortgage

Kim Luckey Mortgage Making homeownership dreams come true 🏡
Mortgage Lender|CrossCountry Mortgage| NMLS 2072881

03/11/2026

Translation in real life terms:

Your application won’t hinge on a single three-digit number anymore.
Instead of a hard cutoff, the system will evaluate your overall credit profile. Income consistency. Asset strength. Credit behavior. The full story.

This does not mean approvals are automatic.
but It does mean more flexibility.

If you were told to “wait until your score improves,” it may be worth a second look.

Comment "READY" or DM me and I will walk you through the next steps. ❤🏠

03/04/2026

Step 1: Get pre-qualified - this has no cost, no credit impact as we always start with a soft credit pull it gives us the information we need to determine if you are mortgage ready, we will confirm your purchase price range, loan program eligibility etc

Next, find a trusted realtor, your realtor is working for you and will help find you a home, negotiate on your behalf, confirm the house will pass inspections and negotiate repairs if needed and so much more.

Start looking into school districts you like, neighborhoods, determine your max monthly mortgage payment amount.

And save save save, even if you are using a down payment assistance program having reserves( a couple months of mortgage payments in savings) can help your approval odds greatly.

Remember, avoid any big changes once you start the process.
No new credit
Continue paying all liabilities on time
No big job changes

Just make sure to consult with your lender if there are any possible changes in the future

This summers market is going to be HOTT 🔥 so get started now so you’re 100% ready when the time comes
Let’s work together every step of the way! 🏡💼

Before you start scrolling listings or touring homes, there’s one step that sets you up for success: pre-approval. 🏡Gett...
03/04/2026

Before you start scrolling listings or touring homes, there’s one step that sets you up for success: pre-approval. 🏡

Getting pre-approved shows you exactly how much you can afford, strengthens your offers, and helps you move quickly when you find the right home. Here’s why it matters:

✅ Know your budget – Understand what you can comfortably afford before falling in love with the wrong home
✅ Show sellers you’re serious – A pre-approval signals you’re ready to make a strong, credible offer
✅ Avoid heartbreak over homes out of reach – Save time and energy by focusing on homes within your price range

Thinking about starting your home search? Reach out today to get pre-approved and start your journey the smart way!

Interest rates are looking good, lets chat and see if a refinance makes sense for you. DM for details 🙂👋🙋‍♀️🏠 ...
02/25/2026

Interest rates are looking good, lets chat and see if a refinance makes sense for you.
DM for details 🙂👋🙋‍♀️🏠

02/24/2026

Don’t worry… we just need a few more documents and your first-born along with your blood type 📝😂 ”

02/20/2026

The truth is — the right time is when you’re ready.
Owning builds equity, creates stability, and sets you up for long-term wealth.

If homeownership is on your mind, let’s run the numbers and make a plan. 🔑

02/19/2026

Dreaming of homeownership I'm here to help make it a reality ❤️🏡

02/16/2026

I am excited to share that I’m returning to a place that feels like home! Grateful for the opportunity to reconnect with familiar faces and continue growing where it all started. Sometimes the best next step is going back to where it all began. I am looking forward to this new chapter 🥹😍

My new home is now with CROSS COUNTRY MORTGAGE and I cannot be anymore excited to share all the amazing loan products and ways we will be able to help homebuyers of all kinds. Stay tuned for lots of new info coming soon. 🏡❤️

02/15/2026

EXCITING NEWS COMING SOON!!

Stay tuned
😛🤗🥹🏡

The amount you need for a down payment can vary depending on your pre-approval, credit profile, and the current market c...
01/28/2026

The amount you need for a down payment can vary depending on your pre-approval, credit profile, and the current market conditions. Even a smaller down payment can get you into a home sooner than you might think!

If you’re curious about your options and want to see what’s possible for your situation, drop a DM! Let’s talk strategy, review your numbers, and create a game plan to help you reach your homeownership goals. 🏡✨

Address

Knickerbocker Road
San Angelo, TX
76904

Telephone

+13259399286

Website

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