Kerins Associates Inc.

Kerins Associates Inc. Trusted mortgage advisor providing strategies, effective communication and services for homebuyers and owners. www.nmlsconsumeraccess.org We close loans.
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We began as a Mom & Pop shop in 1991 and have grown our client base and reputation to work with the top Lenders in the Nation. We make our clients and realtor partners successful. Honesty, ethics, values and hard work are our foundation.

Sellers Are Cutting Prices To Meet Buyers Where They're AtRight now, sellers are flexible on the price in ways they were...
09/01/2026

Sellers Are Cutting Prices To Meet Buyers Where They're At

Right now, sellers are flexible on the price in ways they weren't before. Let’s take advantage of that flexibility.

You may be surprised by what's available – and how willing today's sellers are to work with buyers.

You're scrolling through listings on your phone and everything looks good until you see the price (or the estimated monthly payment). Then you close the app.

08/27/2026
Here’s Why Mortgage Rates Are What They Are Right NowThat’s the trade-off with a narrowing spread. Rates may not be wher...
08/18/2026

Here’s Why Mortgage Rates Are What They Are Right Now

That’s the trade-off with a narrowing spread. Rates may not be where you want them, but they're better than they could've been. If you want help figuring out what that means for your monthly payment, reach out to a local lender

If you're waiting for mortgage rates to fall a lot before you buy, you may be waiting a while.

Big Investors Are Backing Off and That’s Your OpeningBig investors are stepping back, and they're adding homes to the ma...
08/11/2026

Big Investors Are Backing Off and That’s Your Opening

Big investors are stepping back, and they're adding homes to the market as they go. If you've been waiting for a better shot at buying, this could be it. Let’s connect so you can see what's popping up in our area. You may have more options than you think.

For years, a lot of would-be homebuyers have worried about the same thing. How do you compete with big investors who can swoop in, pay cash, and snap up the houses you want?

Here’s Where To Start if You’re Selling and Buying at the Same TimeThere's no one-size-fits-all answer to buying and sel...
08/04/2026

Here’s Where To Start if You’re Selling and Buying at the Same Time

There's no one-size-fits-all answer to buying and selling at once. But for a lot of homeowners, leading with the sale makes moving easier on their mind and their wallet.

Let’s connect, so you can navigate selling and buying with more confidence, more financial power, and less stress.

If you're a homeowner getting ready to move, one question usually comes first: should you buy your next home before you sell, or sell your current house before you start looking?

Selling a Luxury House? Here’s Why Now Is a Good TimeSelling a high-end house is a big decision, and you deserve to feel...
07/28/2026

Selling a Luxury House? Here’s Why Now Is a Good Time

Selling a high-end house is a big decision, and you deserve to feel confident going in. With sale prices climbing and buyers active at the top, this is a strong window to make your move.
Ready to cash in? Let’s talk strategy.

If you own a luxury house, you're in a stronger spot than most sellers right now. While much of the market has cooled, the high-end tier hasn't.

The “Take It or Leave It” Attitude Is Fading from the Market – What That Means for YouSellers and builders are both givi...
07/14/2026

The “Take It or Leave It” Attitude Is Fading from the Market – What That Means for You

Sellers and builders are both giving buyers more to work with this year. Want to know what’s realistic to expect in concessions and incentives in our market? Let’s connect.

Negotiations are back. More buyers are asking for better deals, and more sellers are giving them. Builders are throwing in extras, too.

Down Payments Are Smaller Than They’ve Been Since 2021Down payments are smaller than they’ve been in years, and that ope...
07/07/2026

Down Payments Are Smaller Than They’ve Been Since 2021

Down payments are smaller than they’ve been in years, and that opens the door for more buyers.

And with added help from assistance programs and a little help from loved ones, you may have more ways forward than you realized. Connect with a trusted lender to talk through your options.

Saving for a down payment can feel like the hardest part of buying a home.

Investing in a new home does not require a large down payment.  May I create a custom mortgage analysis showing you?
07/02/2026

Investing in a new home does not require a large down payment. May I create a custom mortgage analysis showing you?

Saving for a down payment can feel like the hardest part of buying a home.

The 1 Factor That Explains Everything Happening with Home Prices Right NowWhen it comes to prices, where you are matters...
06/30/2026

The 1 Factor That Explains Everything Happening with Home Prices Right Now

When it comes to prices, where you are matters more than ever right now, and a local real estate agent is the best person to help you make sense of it.

Reach out today and let's build a plan that fits our market.

You've probably heard that home prices are cooling off.

Address

13821 Mills Avenue
Silver Spring, MD
20904

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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