Kim Williams

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NMLS #263247 / Certainty Home Lending

11/02/2026

Your opportunity is still here. But it’s not in the form of a 6% interest rate. Instead it’s an opportunity to buy that home 🏠 with dwindling competition and maybe even some seller credits to help ease the burden of closing costs. Let’s talk.

10/27/2026

“Buy Before You Sell” sounds great in theory, but it requires a plan. What if the timing doesn’t align in getting house #1 sold in time? How will you buy house #2 without the sale proceeds 💵💵💵in the bank yet? Developing your sell/ buy plan is what I do. Reach out when you’re ready to discuss your situation.

10/23/2026

Before you jump to the “dangerous loan” comments below, allow be to explain. Converting qualified assets to qualifying income on a loan application is a great alternative to those who either are no longer working but living on a comfortable retirement or those with greater asset holdings who cannot show regular income. This loan strategy uses a standardized calculation to convert those assets not being used for the real estate transaction into income. If this is your situation, reach out and let’s crunch the numbers.

10/22/2026

Unfortunately, not everyone likes my content ☹️😂, and also appraisers are bound by available comparable sales to help determine a property’s value. They cannot arbitrarily boost or contract on values without evidence from recent, “like” sales.
That being said, most would agree that we have turned the corner too much more of a “buyers market“. In that situation, we do tend to see softening prices and more room for buyers to negotiate.
If you’re curious how this current market is impacting your real estate goals, reach out and let’s discuss how you can be successful in this market.

10/21/2026

I’m hearing criticism about these temporary buy downs that they’re potentially a dangerous tactic that could get homeowners in trouble like we saw in the early 2000’s.

Well, just like any loan strategy, the structure must be carefully explained and understood by the homeowner. Ideal candidates for this type of strategy would be buyers who are on a clear upward earnings trajectory and want time to adjust to their mortgage payments.

The goal would be to refinance within a few years of the temp Buydown, but there are no guarantees. That is why the buyer must qualify for and be prepared for that full payment.

If you have questions about either type of Buydown, let’s connect.

10/14/2026

AB3100 will be helpful to divorcing homeowners in the future when we do see rates pushing into the 8’s and higher someday. It will allow for a transfer of the original interest rate when refinancing one spouse off of the loan. Would’ve been nice if it had gone into effect when we were in a lower rate environment 😉

10/12/2026

Just because your loan servicer is collecting enough for your property taxes-meaning enough to cover the supplemental tax bill which is your true up between the sellers tax rate base and yours… it does not mean that that server is automatically going to be paying that supplemental tax bill. I realize it seems like a no-brainer that they would pay that, but I have been told recently by two of the larger loan servicers that they will only make that supplemental tax bill payment on your behalf if you as the homeowner call them and instruct them to do so. I know I know… It seems ridiculous that they would not automatically make that payment since they have enough in your escrow account to do so. And just remember the supplementals will get ironed out within that first year, so hopefully you will not experience any further issues with your escrow account for taxes and insurance. It’s always a great idea to check in with the person who originated the loan for you just to have a quick discussion about property taxes, and insurance. Remember that both of those will likely increase overtime. And your lender can help you to not only keep track, but also keep the most competitive edge that you can.

10/10/2026

As a lender, staying on top of market news and trends is important and a daily practice so that we can serve our clients and partners the best we can. Not too sexy or cool.

10/09/2026

ChatGPT doesn’t know your long range goals on one inquiry about whether to buy or sell, if you’ve got kids to put through college in the next 10 years, how old your parents are, whether you might be caring for them soon. In one inquiry, you could be leaving the largest financial decision up to a robot. This is the time when we need to lean on the group of people that we have surrounded ourselves by that have helped us with the largest decisions of our life. Please make good decisions and lean on those humans who have helped you.

Address

895 Pismo Street
San Luis Obispo, CA
93401

Telephone

+18054716186

Website

https://www.certaintyhomelending.com/KimWilliams

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