The Kim E. Minor Team - NMLS #2342815

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The Kim E. Minor Team - NMLS #2342815 Dedicated Mortgage Professional Breaking Down Berries to Homeownership. PRMI NMLS #3094. PRMI is an Equal Housing Lender.

Collaborates Closely with Realtors to Develop a Customized Plan to
Achieve the Goal of Homeownership. Our team of experienced loan officers are dedicated to building lifelong relationships, from the moment you are ready to purchase your first home, to refinancing or upgrading to your dream home, we will be there for you every step of the way. Branch NMLS #45672

NMLS #977129 | DC | DE -977129 | GA #977129 | MD #977129 | NE #977129 | TX #977129 | VA -25526VA

Mortgage rates were mostly unchanged during the week ending October 30, 2026, as the Fed held policy rates steady and in...
10/30/2026

Mortgage rates were mostly unchanged during the week ending October 30, 2026, as the Fed held policy rates steady and inflation remained stubborn. Primary Residential Mortgage, Inc is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

Mortgage rates held steady during the week ending October 23, 2026, despite rising oil prices and continued volatility i...
10/23/2026

Mortgage rates held steady during the week ending October 23, 2026, despite rising oil prices and continued volatility in the bond market. Primary Residential Mortgage, Inc is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

Mortgage rates held steady during the week ending October 16, 2026, despite hotter inflation data and some volatility in...
10/16/2026

Mortgage rates held steady during the week ending October 16, 2026, despite hotter inflation data and some volatility in the bond market. Primary Residential Mortgage, Inc is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

Mortgage rates continued to edge higher during the week ending October 9, 2026, as elevated bond yields kept upward pres...
10/09/2026

Mortgage rates continued to edge higher during the week ending October 9, 2026, as elevated bond yields kept upward pressure on rates. Primary Residential Mortgage, Inc is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

10/02/2026

☘️ 𝐓𝐡𝐫𝐞𝐞 𝐢𝐬 𝐭𝐡𝐞 𝐜𝐡𝐚𝐫𝐦, 𝐚𝐧𝐝 𝐥𝐨𝐜𝐚𝐥 𝐫𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩𝐬 𝐦𝐚𝐤𝐞 𝐚 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞.

I began working with a wonderful couple on June 4, 2024. Yesterday, they closed on their new home and received the keys. After working with three agents, they found the right partner in 𝐑𝐞𝐚𝐥𝐭𝐨𝐫 𝐊𝐢𝐬𝐡𝐚 𝐌𝐚𝐫𝐭𝐢𝐧-𝐁𝐮𝐫𝐧𝐞𝐲, “𝐓𝐡𝐞 𝐃𝐌𝐕 𝐑𝐞𝐚𝐥 𝐄𝐬𝐭𝐚𝐭𝐞 𝐃𝐢𝐯𝐚,” who helped them find their new home and supported the sale of their current home.

Kisha, the buyers, and I had many conversations throughout the process, including late at night and on weekends. I was extremely impressed by the time and care Kisha devoted to helping them find the right home and working closely with me to move the transaction forward.

This experience highlights why buyers should consider working with a local lender who understands the market and has established relationships in the community. I previously served as a preferred lender in a real estate office with more than 400 agents. My local experience and longstanding relationship with listing agent 𝐃𝐚𝐫𝐬𝐡𝐞𝐢𝐤𝐚 𝐆𝐢𝐥𝐞𝐬, as well as my ability to close quickly, helped strengthen the buyers’ offer and were part of why it was accepted.

After the contract was accepted, we closed in 14 days. That result came from a coordinated team effort involving my processor, Kisha, Darsheika, and everyone working behind the scenes. When closing needed to move by one day, Darsheika trusted me and remained confident as I explained the situation.

𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬 to the buyers on their new home, and thank you to everyone who helped bring this transaction to the finish line.

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐅𝐚𝐦𝐢𝐥𝐢𝐞𝐬 𝐁𝐮𝐢𝐥𝐝 𝐆𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐖𝐞𝐚𝐥𝐭𝐡 𝐓𝐡𝐫𝐨𝐮𝐠𝐡 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩

Rates pushed higher during the week ending October 2, 2026, as bond yields hit the highest level since 2002 and oil pric...
10/02/2026

Rates pushed higher during the week ending October 2, 2026, as bond yields hit the highest level since 2002 and oil prices remained elevated. Primary Residential Mortgage, Inc is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

Mortgage rates moved higher as longer dated Treasury yields hit the highest level since 2007 during the week ending Sept...
09/25/2026

Mortgage rates moved higher as longer dated Treasury yields hit the highest level since 2007 during the week ending September 25, 2026. Primary Residential Mortgage, Inc is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

09/18/2026

Are You Still Paying for 𝐏𝐫𝐢𝐯𝐚𝐭𝐞 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 “𝐏𝐌𝐈”?

Here is something many homeowners do not realize:

𝐏𝐫𝐢𝐯𝐚𝐭𝐞 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞, 𝐜𝐨𝐦𝐦𝐨𝐧𝐥𝐲 𝐜𝐚𝐥𝐥𝐞𝐝 𝐏𝐌𝐈, 𝐦𝐚𝐲 𝐧𝐨𝐭 𝐡𝐚𝐯𝐞 𝐭𝐨 𝐫𝐞𝐦𝐚𝐢𝐧 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐜𝐨𝐧𝐯𝐞𝐧𝐭𝐢𝐨𝐧𝐚𝐥 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐥𝐢𝐟𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐥𝐨𝐚𝐧.

Under federal guidelines, you may generally be able to:

✅ Request PMI cancellation when your loan is scheduled to reach 80% of the home’s original value

✅ Have PMI automatically terminated when the loan is scheduled to reach 78% of the original value, as long as the mortgage is current

✅ Have PMI removed at the midpoint of the loan term if it has not already been canceled and the loan is current

There are additional requirements, and the rules can vary based on your loan, payment history, property value, and type of mortgage insurance.

𝐑𝐞𝐦𝐨𝐯𝐢𝐧𝐠 𝐏𝐌𝐈 𝐜𝐨𝐮𝐥𝐝 𝐫𝐞𝐝𝐮𝐜𝐞 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐚𝐧𝐝 𝐤𝐞𝐞𝐩 𝐦𝐨𝐫𝐞 𝐦𝐨𝐧𝐞𝐲 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐡𝐨𝐮𝐬𝐞𝐡𝐨𝐥𝐝 𝐛𝐮𝐝𝐠𝐞𝐭.

DM me “MI,” and I’ll send you all the details.

Kim E. Minor | Mortgage Advisor
Primary Residential Mortgage, Inc. | NMLS #977129
📞 301-537-8263 | [email protected]
Licensed in MD, DC, VA, NC, GA, DE, TX & NE

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐅𝐚𝐦𝐢𝐥𝐢𝐞𝐬 𝐁𝐮𝐢𝐥𝐝 𝐆𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐖𝐞𝐚𝐥𝐭𝐡 𝐓𝐡𝐫𝐨𝐮𝐠𝐡 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩

Higher oil prices, inflation concerns, and expectations for more Fed rate hikes pushed mortgage rates higher during the ...
09/18/2026

Higher oil prices, inflation concerns, and expectations for more Fed rate hikes pushed mortgage rates higher during the week ending September 18, 2026. Primary Residential Mortgage, Inc is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

09/17/2026

Address

1220 A East Joppa Road Suite 118
Towson, MD
21286

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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