Kristie Shore, Certified Mortgage Advisor

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United States
Williamsburg, VA
Kristie Shore, Certified Mortgage Advisor

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NMLS #1489409. Fulton Mortgage Company. Member FDIC. Equal Housing Lender.

Mortgage Loan Officer & Certified Mortgage Advisor™
Whether buying, building, or refinancing, I’m here to help you achieve your homeownership goals.
🏠
Views are solely my own.

11/10/2026

Paying off a credit card right before you apply for a loan sounds smart. Sometimes it isn’t the move you think.

Paying down debt can sometimes help, but the timing and the details matter:
💰 It can drain your savings. That cash might be needed for your down payment, closing costs or reserves.
❌ Closing the card can backfire. Shutting down an old account can affect your credit history and available credit.
⏳ Timing matters. Payments don’t always show up on your credit report right away.
📄 Big transfers need a paper trail. Moving money around can mean more documentation.

Sometimes paying something off is exactly the right move. It's definitely worth reviewing with your mortgage loan officer!🏡

11/07/2026

What Not To Do Before Closing
Between approval and closing, your lender may check your credit and finances again. New debt can change your numbers at the worst possible time. Before closing, please try not to:
🚫 Open a new credit card, even for “15% off today”
🚫 Finance a car, furniture or appliances
🚫 Co-sign a loan for anyone
🚫 Move large sums of money without a paper trail
🚫 Change jobs

➡ When in doubt, text me any questions. 📲 804.356.1128 🏡

11/07/2026

Let’s Talk Real Numbers 🤓
Your income, credit, savings and monthly budget are personal, and so is what you can comfortably afford. Let’s skip the guesswork and look at your real numbers together. DM me “AFFORD” and let’s find your number. 📩

11/05/2026

Every week someone tells me, “This might be a dumb question, but...” 🤫 It never is. Questions about credit, down payments, debt or how any of this works are exactly what I’m here for. If there’s something you’ve been too nervous to ask out loud, send me a message. No judgment, just real answers. 💬

11/04/2026

The Truth About Homebuying Myths - “Save 20% before you even think about buying.” Sound familiar? 👀 Our parents gave us plenty of solid advice. Some homebuying rules, though, came from a very different market. Drop the advice you grew up hearing below, and I’ll tell you what still holds up and what’s ready for retirement. 👇

11/03/2026

🏡 Pre-Qualify Before You Start Seriously Shopping

It’s exciting to start looking at homes, but one of the smartest steps you can take first is to understand your financing.

Getting pre-qualified can help you:

💰 Understand a realistic price range
📊 Estimate what your monthly payment may look like
💵 Get a better idea of how much cash you may need
🧭 Identify financial questions or concerns before you fall in love with a house

Shopping first and figuring out the financing later can make the process more stressful than it needs to be.

A pre-qualification gives you a clearer starting point so you can shop with more confidence and make decisions based on a plan — not just emotion. 🏡

If buying a home is on your radar, I’m happy to help you understand what your first financing step should look like. 💬

10/31/2026

🎃 **SOME MORTGAGE HORROR STORIES ARE REAL!** 👻

Imagine this…

You've found your dream home. 🏡❤️

Your offer is accepted. You're already picturing where the furniture will go.

Then, just days before closing…

😱 You finance a brand-new car.

💀 You open a new credit card for furniture.

🕷️ You make a large deposit without documenting where the money came from.

Suddenly, your mortgage closing could be in jeopardy!

**THE SCARIEST PART?** These are mistakes that can often be avoided!

🔑 **Here's your Halloween survival tip:** Before making major financial changes during the mortgage process, talk with your lender.

Because the only surprises you want when buying a home are the ones hiding in your Halloween decorations! 🎃

Happy Halloween! 🧡

10/30/2026

It’s okay to text your lender at 9pm. Some people microwave fish at the office. We’ve all made peace with worse. 🐟📱 Buying a home brings up questions at all hours, and I’d rather you ask than lie awake wondering. I may not reply until morning, but your question will never be a bother. Got something on your mind about buying? Text me. Yes, even at 9pm. 🏡

10/30/2026

👻 **BOO! YOU NEED 20% DOWN TO BUY A HOUSE!** 😱

AHHHHHHH!!! 🎃💀

Now THAT'S a scary thought!

But guess what?

**IT'S A MORTGAGE MYTH!** 🙌

Somewhere along the way, homebuyers got the idea that they MUST have 20% saved for a down payment.

And that misconception has been haunting potential homeowners ever since! 👻

🏡 **Here's the not-so-scary truth:**

✅ Some conventional loans allow as little as 3% down.

✅ FHA loans may allow as little as 3.5% down.

✅ Eligible VA and USDA borrowers may qualify for 0% down payment options.

Of course, loan qualifications vary, and a smaller down payment can mean additional costs, such as mortgage insurance.

💡 **THE REAL TRICK?** Thinking you can't buy a home without 20% down and never exploring your options!

🎃 **THE TREAT?** Finding out homeownership might be closer than you think!

Don't let mortgage myths scare you away from your homeownership goals!

Let's talk about your options. No tricks, just honest guidance! 🏡❤️

10/30/2026

🏡 **FIXED RATE. CHANGING PAYMENT? WAIT… WHAT?!** 🤔

You locked in your mortgage interest rate, so your monthly payment should stay the same, right?

**Not necessarily!** 😲

Here's something that surprises a lot of homeowners.

🔒 **WHAT STAYS FIXED?**
With a fixed-rate mortgage, your principal and interest payment stays the same throughout the loan term.

📈 **WHAT CAN CHANGE?**
If your mortgage payment includes an escrow account, two expenses can affect your total monthly payment:

🏡 **Property Taxes** – Your taxes may increase as property values and tax assessments change.

🛡️ **Homeowners Insurance** – Insurance premiums can rise, even when your coverage hasn't changed.

When your mortgage servicer reviews your escrow account, an increase in these expenses—or a shortage in your escrow balance—could mean a higher monthly payment.

💡 **THE TAKEAWAY:**
A fixed interest rate doesn't always mean a fixed total mortgage payment!

Understanding what makes up your payment helps you plan ahead and avoid unexpected surprises.

And remember, your mortgage education shouldn't end at closing! I'm always happy to help you better understand your home financing. ❤️

Address

Williamsburg, VA

Telephone

+18043561128

Website

https://www.fultonbank.com/Personal/Mortgages/Mortgage-Loan-Officer/Kristie-Shore

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