Loan Ladies

Loan Ladies Also licensed by the CA-DFPI under the CFL #6036566. Complaint forms and instructions may be obtained from the Department’s website at www.sml.texas.gov .

Karen Orr, Senior Loan Officer, NMLS #40351 | Nova Financial & Investment Corporation, DBA NOVA® Home Loans, NMLS #3087 | BK 0902429 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act Karen Orr MLO-40351 & Christina Bradshaw MLO-119660 New American Funding| Equal Housing Lender | NMLS 6606

Karen Orr, Senior Loan Officer, NMLS

#40351 | Nova Financial & Investment Corporation, DBA NOVA® Home Loans, NMLS #3087 | BK 0902429 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #4131230. Loans made or arranged pursuant to a California Financing Law License. | 3555 Market Place W, Suite 7 · University Place, WA 98466 | Branch NMLS #2432231 | Phone: 253-228-6800 | www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/40351 | www.nmlsconsumeraccess.org | https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3087 | Equal Housing Opportunity |
Consumers wishing to file a complaint against a Mortgage Banker or a Licensed Mortgage Banker Residential Mortgage Loan Originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. A toll-free consumer hotline is available at 1-877-276-5550. The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department’s website at www.sml.texas.gov. |

06/23/2026

One of the biggest myths in real estate is that you're stuck with your interest rate forever.

The reality? If rates drop after you buy, you don't have to do anything. You can keep making the same payment and continue building equity.

But if rates improve enough, you may have the opportunity to refinance and potentially lower your payment or better align your mortgage with your goals.

That's why many buyers focus less on trying to perfectly time the market and more on getting into the right home when they're ready.

If you're wondering how today's rates could impact your plans, give us a call. We'd be happy to walk through your options and help you build a strategy.

Every divorce settlement asks who keeps the house. Far fewer ask what happens to the insurance, the title, and the debt ...
06/23/2026

Every divorce settlement asks who keeps the house. Far fewer ask what happens to the insurance, the title, and the debt tied to it.
That gap is where homeowners get hurt, long after the ink dries. Coverage lapses. Title re-vests by default. Liens follow the property past the decree.

Closing that gap is exactly what my CDLP training is for. If you or someone you know is navigating divorce and a home, let's talk before the agreement is drafted.

A legal option is not always a lending option.

06/19/2026

Retirement isn't about slowing down.

It's about having the freedom to do more of what you love.

Whether it's traveling, spending more time with family, pursuing a passion project, or checking destinations off your bucket list, retirement can open the door to exciting new possibilities.

For some homeowners, a reverse mortgage can be a tool to access a portion of their home equity and create additional financial flexibility without selling their home.

Every situation is different, but understanding your options is an important part of building a retirement plan that works for your goals.

If you'd like to learn more about reverse mortgages and whether they might fit into your retirement strategy, give me a call and let's talk.

In divorce, good intentions don’t make settlement terms feasible.When I’m brought into a case as a Certified Divorce Len...
06/18/2026

In divorce, good intentions don’t make settlement terms feasible.

When I’m brought into a case as a Certified Divorce Lending Professional (CDLP®), my focus is straightforward: Can the settlement terms actually be executed within current lending guidelines?

Mortgage risk in divorce often appears when agreements rely on income structures, debt allocations, real property transfers, or refinancing timelines that don’t align with mortgage requirements. These are not fraud issues at the drafting stage, they are feasibility issues.

When feasibility isn’t validated before the decree, clients are often forced into post-divorce corrections, delays, or compliance challenges simply to meet the terms of the agreement.

My role is not to renegotiate the settlement. It’s to confirm mortgage feasibility before it’s finalized, so the agreement reflects what is financeable, not what is assumed.

If a settlement includes real property, confirming mortgage feasibility should be part of the standard of care. Connect with me early to ensure those terms are executable.

Another one of the most overlooked financial risks during divorce has nothing to do with the mortgage. It's homeowners' ...
06/16/2026

Another one of the most overlooked financial risks during divorce has nothing to do with the mortgage. It's homeowners' insurance.

When ownership of a property changes, the insurance policy usually needs to change too. Skipping that step may lead to coverage gaps, denied claims, and costly surprises long after the divorce is finalized.

As a Certified Divorce Lending Professional (CDLP®), I help divorcing homeowners see how mortgage financing, property ownership, and other housing decisions shape their long-term financial picture. Catching an issue like this early is often the difference between a clean transition and an expensive mistake.

If you have questions about your situation or how divorce may affect your housing options, reach out anytime. The article below is a good place to start.

https://bit.ly/4vWsU6F

During divorce, most people focus on legal agreements and emotional healing. Few realize their financial identity may al...
06/13/2026

During divorce, most people focus on legal agreements and emotional healing. Few realize their financial identity may also be at risk.

Spousal identity theft can happen quietly when personal information that was once shared is used without consent. This can result in damaged credit, unexpected debt, and long-term financial consequences that extend well beyond the divorce.

This article explains what spousal identity theft looks like, why it often goes unnoticed, and how taking action early can help protect your financial future.

Read the full article here: https://divorcebriefings.com/3ZrSlyt

A great rate matters.A great experience matters too.Because when you're buying a home, questions don't wait for business...
06/12/2026

A great rate matters.
A great experience matters too.

Because when you're buying a home, questions don't wait for business hours. The perfect house doesn't wait until Monday morning. And important decisions rarely happen on a schedule.

My job isn't just helping you get a mortgage. It's being available when you need guidance, answers, or a game plan.

If you're thinking about buying, refinancing, or planning your next move, let's connect. I'm just a phone call away.

06/10/2026

Being recognized as one of the 2026 Leading LOs is an incredible honor, but the real accomplishment is the number of families we've been able to help along the way.

To my clients, thank you for trusting me to be part of such an important chapter in your lives. To my referral partners, thank you for your continued support, collaboration, and confidence.

The mortgage business is ultimately a people business. It's built on relationships, trust, and showing up when it matters most.
I'm grateful for every opportunity, every referral, every conversation, and every closing table celebration.

Thank you for helping make this recognition possible. I'm proud of what we've accomplished together, and I'm excited for what's ahead.

Here's to more families helped, more goals achieved, and more dreams realized. 🏡

Being recognized as one of the 2026 Leading LOs is an incredible honor, but the real accomplishment is the number of fam...
06/10/2026

Being recognized as one of the 2026 Leading LOs is an incredible honor, but the real accomplishment is the number of families we've been able to help along the way.

To my clients, thank you for trusting me to be part of such an important chapter in your lives. To my referral partners, thank you for your continued support, collaboration, and confidence.

The mortgage business is ultimately a people business. It's built on relationships, trust, and showing up when it matters most.
I'm grateful for every opportunity, every referral, every conversation, and every closing table celebration.

Thank you for helping make this recognition possible. I'm proud of what we've accomplished together, and I'm excited for what's ahead.

Here's to more families helped, more goals achieved, and more dreams realized. 🏡

Most people don't realize a divorce decree can quietly disqualify them from the very mortgage they're counting on.Suppor...
06/09/2026

Most people don't realize a divorce decree can quietly disqualify them from the very mortgage they're counting on.

Support income that hasn't seasoned. An equity buyout structured the wrong way. A settlement that looks fair on paper but falls apart at the closing table.

As a Certified Divorce Lending Professional (CDLP®), this is exactly what I'm trained to catch — and prevent. I work where family law, tax, and mortgage financing intersect, so the plan holds up long after the ink dries.

Education is the strategy. If you're facing a mortgage decision in divorce, let's talk before the terms are final.

Address

3555 Market Pl W, Suite 7, University Place
Tacoma, WA
98466

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm
Sunday 8am - 6pm

Telephone

+12532286800

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