Kathryn Vatsula, NMLS #261647

10/22/2025

Student loan burdens jumped nearly 70% from 1992 to 2022, from $73,000 to $122,000, per First American. The Trump administration has agreed to deliver long-delayed student debt relief to thousands of borrowers in an abrupt reversal that could ripple far beyond college classrooms.

07/31/2025

Great Information, The VA home loan has many benefits for our veterans, active duty and surviving spouse! This is a win for VA!

The VA Home Loan Program Reform Act establishes a permanent partial claims program designed to help veterans avoid foreclosure.

07/19/2025

BUYERS!

A lot of buyers are asking how to “get the payment down.”
And yeah, bigger down payments help... a little.
But here’s what most don’t realize:
Sometimes the smartest play isn’t lowering the mortgage.
It’s lowering everything else.
Had a buyer this week with a tight monthly goal.
He was ready to throw $20K extra at the down payment.
Would’ve saved him about $120/month.
Instead?
We used that $20K to wipe out two credit cards and a personal loan.
Boom.. $450/month saved.
Same house. Same price.
But now he’s walking in with real breathing room.
The moral?
Getting pre-approved is step one.
Getting strategic is what actually makes the numbers work.
LET'S DISCUSS YOUR STRATEGY FOR HOMEOWNERSHIP!

07/10/2025

Homebuyers!!!
I’ve been having a lot of conversations with buyers lately.
And here’s what’s wild:
Almost all of them already have a pre-approval letter in hand..
But when I ask if anyone’s actually walked them through what it means?
Blank stares.
They’ve got a letter... not a breakdown.
Not a strategy.
Not a plan.
Most of them can’t even tell you:
What their monthly payment really looks like
What they’re actually being charged
How much cash they’ll need to close
Or what options they even have for their down payment
It’s like getting cleared to play the game… but no one explained the rules.
So here’s the truth:
A pre-approval without clarity isn’t helpful. It’s risky.
If your buyer got a letter but doesn’t fully understand the numbers behind it, they need a second opinion.

I am your second opinion, I will be here for you, in the evenings for your phone calls and weekends. I won't hid if we run into snags, we will work them out together. Let me help you navigate this important process!