Terry Kravaris, J.D. NMLS 959719 - Senior Loan Officer - Movement Mortgage

06/16/2026

5.0 star review received on Experience.com for Terry Kravaris by Jeffrey F - Terry is fantastic at his job . He made the entire process incredibly Easy and helped me coordinate everything to get to closing on time I reccomend terry to any of friends in need of a mortgage

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06/06/2026

5.0 star review received on Experience.com for Terry Kravaris by Stuart G - Great guide during the process and kept gave good perspective on expectations.

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06/05/2026

The thing I do every Monday morning to make my whole week easier — eat the frog.

Tackle the hardest, most-dreaded task first thing. Before email. Before meetings. Get the worst thing out of the way and everything else feels small.

What's yours? The call you've been putting off. The deal you've been avoiding. The conversation you keep delaying. Do it before 9 AM Monday.

06/04/2026

The S&P 500 has never actually returned 10% a year.

The number every advisor quotes is the NOMINAL average — before inflation, before fees, before taxes. Real return is closer to 6.5%. Over 30 years, that's $119,000 less in your account than the projections promise.

Stress-test your retirement plan: https://calendly.com/terry-kravaris/initial-consultation

06/02/2026

Your mortgage payment isn't just interest.

P-I-T-I. Principal. Interest. Taxes. Insurance. Most buyers shop the interest rate and miss that taxes + insurance often equal another 30-40% of the monthly payment.

Run the real number before you fall in love with a price tag: https://calendly.com/terry-kravaris/initial-consultation

05/29/2026

PHFA — most Pennsylvania first-time buyers don't know this exists.

The Pennsylvania Housing Finance Agency runs programs that can drop your down payment to almost zero AND cover up to $10,000 in closing costs.

Want to know if you qualify? https://calendly.com/terry-kravaris/initial-consultation

05/28/2026

Compound interest is doing the OPPOSITE of what you think.

Everyone celebrates it like wealth-building magic. Nobody mentions it works in reverse — $10K of credit card debt at 22% APR becomes $4.5M in 30 years if you let it ride.

Save this. Then make sure yours is compounding the right way.

05/26/2026

Philly is heating up — most buyers haven't noticed yet.

Days-on-market dropping. Multiple offers back. Sellers regaining leverage.

If you've been waiting, the runway's shrinking. Comment "Philly" below or grab a 15-min call: https://calendly.com/terry-kravaris/initial-consultation

05/19/2026

5.0 star review received on Experience.com for Terry Kravaris by Xavier S - You are awesome. Honest, fast, and thorough is all we could ask for and we got it, thanks Terry!

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05/19/2026

I did the math. Buying loses for 6 years in Philly. Then it flips hard.

Here's the year-by-year rent vs. buy math nobody shows you in 2026 — including the moment buying actually pulls ahead, the equity you'd build, and the four conditions that make buying win in your situation 👇

👉 Comment "MATH" below and I'll DM you a personalized buy-vs-rent calculator with YOUR rent, YOUR target price, YOUR break-even year.

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Terry Kravaris · NMLS # 959719
Equal Housing Lender · Not a commitment to lend.