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Bob Kemp- Home Loans, Nmls#177417

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Towson, MD
Bob Kemp- Home Loans, Nmls#177417

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I am a VP of Mortgage Lending at Guaranteed Rate Affinity. NMLS # 177417. Guaranteed Rate Affinity NML

CORPORATE DESCRIPTOR Guaranteed Rate Affinity NMLS 1598647 1800 W. Larchmont Ave., Chicago, IL 60613 (866) 934 7283 • grarate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org www.grarate.com/licensing

COMPANY PRIVACY POLICY LINK www.grarate.com/privacy

10/30/2026

Today’s NAR report revealed that home prices rose in 78% of the nation’s metro markets in the third quarter, with the average home price sitting around $432,900. The Northeast (4%) and Midwest (3.6%) regions led the nation in price appreciation. There are still opportunities out there for savvy buyers though, with home prices declining in 21% of markets in Q3.

Let’s discuss how you can make the most of today’s housing market.
https://myoc.io/ODJcVlxiTr/OMsas

NMLS # 177417

10/29/2026

The Fed held interest rates steady citing a growing economy and sticky inflation and mortgage rates are expected to stay about where they are as well. A more stable environment makes planning your next home financing move easier. You can focus on your timing and budget instead of trying to anticipate what the future may hold.

Need someone to bounce ideas off? Let’s talk about what's next for your homeownership plan.
https://myoc.io/ODJcVlxiTr/tYa8a

NMLS # 177417

10/29/2026

A lot of lenders talk about their culture, but at Guaranteed Rate Affinity, we truly walk the walk.

Our focus on sharing our winning practices is a key part of our culture. We lift each other up and celebrate our successes.

10/28/2026

Markets are pulling in two directions: inflation is still a concern, but tighter financial conditions could give the Fed reason to stay patient. That makes the next mortgage-rate move hard to call. One of our Loan Officers can help you compare today’s options without building your purchase plan around a prediction.

10/27/2026

Which home did you get? While the results may be surprising, hopefully this fall-themed game got you thinking outside of the box.

The key takeaway? There’s more on the market than traditional single-family homes, and many alternative home types bring unique benefits. I can help you explore different financing options to see what’s possible.

Keep the fun going, drop your emoji in the comments and tag a friend!
https://myoc.io/ODJcVlxiTr/s1byz

NMLS # 177417

10/26/2026

Congratulations Tony Gemmell and welcome to the President's Club at Guaranteed Rate Affinity!

10/26/2026

A buydown could be a win-win scenario for all parties. Instead of dropping the price, reduce the rate. Hear it from Christine Wenger on how a rate buydown could be the solution to a listing that's been sitting.

10/26/2026

When buying a home, knowledge is power. If you know the numbers, you can set yourself up for success from day one. That’s where a pre-approval comes in, giving you the direction you need to house-hunt with confidence.

I’m here to help you explore your options whenever you’re ready to take the first steps toward homeownership.
https://myoc.io/ODJcVlxiTr/BB9Ji

NMLS # 177417

10/23/2026

A rate buydown could lower the interest rate and monthly payment, creating a more affordability without automatically cutting the list prices. Enda Moore explains exactly how a temporary buydown strategy could work for you. Don't drop the price, reduce the rate.

10/22/2026

Running multiple businesses, or juggling income that shifts by the month or the client? Standard income documentation doesn't always fit that. For eligible business owners, a current 12-month profit and loss statement (P&L) may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's talk about your situation.
https://myoc.io/ODJcVlxiTr

NMLS # 177417

10/21/2026

A week after the Fed raised its benchmark rate, Treasury yields dipped while mortgage rates were mostly flat. With rates remaining high amid persistent inflation, buyers should focus on their budget, timing and financing options. Your Guaranteed Rate Affinity Loan Officer can run the numbers and help you navigate today’s market.

10/20/2026

Signed contracts slowed across the country in September, with pending home sales down 7.3% from the month before. As rising rates keep some buyers waiting, prepared buyers may find more options and less competition. Want to know how to make the most of this market?
https://myoc.io/ODJcVlxiTr/jfXOo

NMLS # 177417

10/20/2026

Congratulations Natasha Robinson and welcome to the President's Club at Guaranteed Rate Affinity!

10/20/2026

Hear from Robin Baran on what makes Guaranteed Rate Affinity the best of the best. Our incredible Events Team is like having a professional event planner by your side at all times, making a huge difference in creating an exceptional guest experience while helping loan officers grow their businesses together. Curious what it’s really like to be part of the team? Hear it straight from Robin and discover what sets Guaranteed Rate Affinity apart!

10/19/2026

If you're looking for a home, don't drop the price, reduce the rate. Do you know what a rate buydown is? Hear it straight from Johnita on a way that you can ease into homeownership.

10/19/2026

Beware of the maxed-out credit card monster. High credit card balances could increase your credit utilization, which may affect your credit score, and ultimately, your mortgage qualification.

When you’re approaching closing, watch your spending and avoid giving this homebuying horror anything else to feed on.
https://myoc.io/ODJcVlxiTr/Utjef

NMLS # 177417

10/16/2026

If a monthly payment is what's holding buyers back, don't drop the price, reduce the rate. Hear from Monica on how a RateReduce buydown lowers payments early so buyers can move in now instead of waiting it out.

10/15/2026

When it comes to evaluating a mortgage, there’s more to it than a single number. I’m here to help you understand all the moving parts and how they fit together to create a custom financial plan.

So, are you an interest rate expert? Let me know in the comments.
https://myoc.io/ODJcVlxiTr/khTHy

NMLS # 177417

10/14/2026

The latest housing data showed mixed results. Sales increased in the South and West regions, held steady in the Midwest and declined in the Northeast compared to August. All four regions showed a year-over-year decline in sales, but many buyers are still entering contracts and available inventory is up to 1.60 million homes.

Let’s talk if you’re looking to head to the offer table with some serious leverage.
https://myoc.io/ODJcVlxiTr/fWGes

NMLS # 177417

10/12/2026

Ready for your mortgage vocabulary lesson of the day? A loan estimate helps break down the important details about your financing options so you have everything in one organized place.

Learn more must-know mortgage lingo in our guide or reach out to talk through the details.
https://myoc.io/ODJcVlxiTr/LJ9ev

NMLS # 177417

Address

800 Kenilworth Drive, Suite 828
Towson, MD
21204

Opening Hours

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

Website

https://www.GRARate.com/BobKemp

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