Kim Williams

Kim Williams NMLS #263247 / Equal Housing Lender

09/03/2026

Let’s look at the real numbers behind waiting one year to buy a property in the hopes of lower rates. Overall, the risk doesn’t seem worth the reward. #

09/01/2026

If there’s too much debt to qualify, it’s possible to use current assets, proceeds from a sale, or equity in your home to help eliminate that debt and solidify your home loan qualifying. You’re not alone in finding these solutions. This is what I do. Reach out to chat about your particular scenario.

08/31/2026

A gap between a comfortable monthly housing payment and what the actual payment is for your dream house is not uncommon. Finding the solutions to bridging that gap is where experience counts. There are buydowns to help make that payment more comfy. Maybe that generous uncle really does want to offer a gift to help get that loan amount lower. There are a number of ways to help bridge that gap. Let’s give yours.

08/28/2026

There are many buyers out there struggling with affordability in this market. Between housing prices and rates averaging in the high 6’s, it’s difficult for some to break into the market. Questions about timing and if it’s worth it to break out of the renting cycle are common and good concepts to noodle on right now. You’re not alone. If you’d like to have the conversation about real numbers and your options without pressure to move forward, reach out. I’ll noodle through it with you.

08/25/2026

Let’s face it, there are a lot of lenders and realtors out there to choose from when you’re ready to purchase or refinance a home 🏠. And sometimes you have relatives or close friends who’ve gotten into the biz so you want to be “cool” and offer them a shot. BIG mistake selecting relationship/connection over experience. There are too many detailed tasks to complete during the loan process that require expertise, the right resources and the history of closing loans everyday for decades. You cannot acquire the skills to effectively close loans if it’s your “side hustle”. Experience really does matter and the stakes are high when it comes to real estate transactions.

08/20/2026

Sell smarter, not harder 😂. It’s all about the right strategy to get the best price for your home, and for Buyers, it’s all about that monthly payment baby! 💵. If you’re looking for a lender who focuses on strategy and not just promising you an unrealistic rate, let’s talk.

08/19/2026

Feeling extra grateful today… The best part of this job is working with clients who are this thoughtful. My cup runneth over.🌺🌷🌻🌼🌸🪻

08/17/2026

Reserves are NOT and expense or cost in your purchase or refinance. It’s a set amount of money that your lender wants to see you have in your account after you pay the fine payment and closing costs. It will vary based on your lending situation. And it’s always going to be based on how many properties you own. If you want to know how much you will need for your situation, message me and I’ll let you know.

08/14/2026

Take it from a retired therapist turned mortgage advisor, do not make any large purchases during your purchase or refinance escrow period. New purchases mean new monthly payments that could alter your preapproval. I’ve even been asked about buying new furniture during your funding week. Listen, lenders will double check credit to make sure no new debts have been added right before closing. Wait for the new car, dining room set or new bedroom until post close. You’ll thank me. Risk vs reward doesn’t add up.

08/12/2026

Today’s WCR luncheon on branding was so informative for everyone. Eileen Oldroyd crushed it and so many walked away with a new branding plan to build on. And thank you to Melody 🎵Maddox for my huge and delicious gift basket. ❤️😉

Address

895 Pismo Street
San Luis Obispo, CA
93401

Telephone

+18054716186

Website

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