Keisha Gonia, Mortgage Lender NMLS #95735

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Keisha Gonia, Mortgage Lender NMLS #95735 Mortgage Broker NMLS 95735 Empire Home Loans Inc. Company NMLS: 1839243|CA DBO/CFL Lic: 60DB0-98315|CA DRE Lic:02086593
www.nmlsconsumeraccess.org.

Equal Housing Opportunity Fairway Independent Mortgage Corporation
FIMC NMLS 2289
Keisha Gonia
NMLS #95735
Loan Officer
Equal Housing Opportunity

Every time rates tick up, the news cycle goes into overdrive — and suddenly everyone’s convinced homeownership is out of...
21/05/2026

Every time rates tick up, the news cycle goes into overdrive — and suddenly everyone’s convinced homeownership is out of reach.

But here’s the truth: a national headline has nothing to do with *your* specific situation.

What I’m actually seeing in real life 👇

🏡 Buyers are still buying
🏡 Sellers are still negotiating
🏡 Families are still moving
🏡 Wealth is still being built through homeownership

The only numbers that actually matter are yours:

🔢 your budget
🔢 your credit score
🔢 your monthly comfort zone
🔢 your local market
🔢 your long-term goals

I’ve seen buyers thrive in “bad” markets because they knew their numbers, had a strategy, and didn’t let fear make decisions for them.

Because generational wealth usually isn’t built by perfectly timing the market.
It’s built by owning assets over time.

The best time to buy is when *you* are ready — financially and personally. Not when the headlines finally feel positive again.

The market will shift.
People will still buy homes.
And ownership will still matter. 🏡✨

California, let’s go 🌴🏡I’m officially licensed in California—so whether you’re relocating, investing, or looking to refi...
31/03/2026

California, let’s go 🌴🏡

I’m officially licensed in California—so whether you’re relocating, investing, or looking to refinance your home, you’ve got a clear strategy from day one.

No guesswork.
No last-minute surprises.
Just smart numbers and smooth closings.

If your next move includes California, let’s get you positioned to win.
DM me “CA” to start your plan.

AI is a great place to start.It’s just not where you should finish.Use AI to:✔ Learn basic mortgage terms✔ Explore gener...
02/02/2026

AI is a great place to start.
It’s just not where you should finish.

Use AI to:
✔ Learn basic mortgage terms
✔ Explore general loan options
✔ See common situations buyers run into

But stop when **decisions start to matter.**

Because AI can’t tell:
• If that payment actually fits *your* life
• Which numbers matter right now vs. later
• How a small change in assets or timing can shift everything
• When a loan that *technically works* is going to feel way too tight in real life

That’s where real guidance comes in — turning information into decisions that still make sense once the process is moving.

AI gives information.
**Clarity comes from context.**

If you’re researching and want help **making sense of what you’re learning**, comment **CLARITY**.

Medical professionals have unique financial paths — and your home loan should reflect that.Physician Loan programs can o...
29/01/2026

Medical professionals have unique financial paths — and your home loan should reflect that.

Physician Loan programs can offer:
✔ Low or no down payment options
✔ No monthly mortgage insurance
✔ Flexible student loan considerations
✔ Higher loan limits

If you’re in residency, fellowship, or your first attending role, you may have more buying power than you think.

Curious how this works for your homeownership goals? Let’s talk through your options.

📩 Message me or email [email protected]

A 1% rate drop could mean **$200–$600+ less per month** depending on your price point or loan balance.That’s the differe...
12/01/2026

A 1% rate drop could mean **$200–$600+ less per month** depending on your price point or loan balance.

That’s the difference between:
• settling and loving your home
• stretching and staying comfortable
• waiting and winning

And if you already own a home, a lower rate could put **real money back in your monthly budget** — every single month.

If you’re thinking about buying this year *or* considering a refinance, let’s build your strategy now — not after rates move again.

Message me for a personalized estimate.

If your appraisal came in $10K low tomorrow, would you know your next move? Most buyers don’t, and that’s where deals ge...
15/12/2025

If your appraisal came in $10K low tomorrow, would you know your next move? Most buyers don’t, and that’s where deals get shaky. You should know your options before the report ever hits: dispute, negotiate, bring the gap, or adjust the loan structure. A low appraisal isn’t the end — it’s a strategy moment. ✨ Which option would you feel most confident using?

There’s a point in the homebuying process where the payment just clicks — like, “oh wow, this actually fits my life.”And...
11/12/2025

There’s a point in the homebuying process where the payment just clicks — like, “oh wow, this actually fits my life.”
And when that moment hits? Don’t ignore it for a holiday promo or a shiny 25%-off store card offer. ✋✨

Opening new credit during homebuying is basically saying, “Let’s make this harder than it needs to be!” 😂
Keep it simple. Protect your approval. Watch the numbers line up.

Getting pre-approved? Easy.Winning the home you actually want? Whole different game.When you understand your payment, yo...
01/12/2025

Getting pre-approved? Easy.
Winning the home you actually want? Whole different game.

When you understand your payment, your cash-to-close, and which strategies strengthen your offer, you walk in confident.

If you want to be ready the moment the right home hits the market, I’ve got you. 💛

Send me a quick message and I’ll walk you through your numbers so you can compete with confidence.

Community, connection, and home — that’s my world ❤️I’m a mom, a traveler, a beachaholic, a host, and a believer that sm...
07/11/2025

Community, connection, and home — that’s my world ❤️
I’m a mom, a traveler, a beachaholic, a host, and a believer that small moments matter.
And I’m a mortgage broker who loves what she does — guiding families to the place they’ll call home.
If we haven’t met yet — I’m so glad you’re here. 🫶
Tell me one fun fact about you below 👇

Address

WA

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00

Telephone

+13606202099

Website

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