Kelly Jennings at Lower Mortgage LLC

Kelly Jennings at Lower Mortgage LLC Kelly Jennings
Mortgage Loan Originator
NMLS ID 2003818

"I've learned that people will forget what you said, people will forget what you did, but people will never forget how y...
02/17/2023

"I've learned that people will forget what you said,
people will forget what you did,
but people will never forget how you made them feel."
~Maya Angelou

When's the last time you did a random act of kindness, just because?

Here are some ideas to make someone's day:
- Give an unexpected compliment.
- Have an afternoon visit with the elderly.
- Bake cookies for a neighbor.
- Put together care packages with toiletries for the homeless.
- Help a new mom - babysit so that she can get some sleep or pamper time.
- Make activity packs for a local hospital children's ward.
- Donate gifts to children in foster care.
- Volunteer at your local animal shelter.

Share below with what you'll do to bring a smile to someone's face today.


It really depends on your current and future financial goals. Many home buyers believe that getting a 30 year mortgage i...
02/16/2023

It really depends on your current and future financial goals.

Many home buyers believe that getting a 30 year mortgage is the best, but are potentially missing out on other mortgage products. When meeting with your lender, review all options.

In some cases, a 15 year mortgage or even an ARM (Adjustable Rate Mortgage) may be another option for you to consider for your situation.

Reach out to get your journey started!

Kelly Jennings
[email protected]
(910) 363-6602



When a buyer decides to purchase a home from a seller, both parties enter into a contract. In most cases, earnest money...
02/15/2023

When a buyer decides to purchase a home from a seller, both parties enter into a contract.

In most cases, earnest money is delivered when the sales contract is signed, but it can also be attached to the offer.

Once deposited, the funds are typically held in an escrow account until closing, at which time the deposit is applied to the buyer's down payment and closing costs.

Here are some key takeaways:
- A contract is written up during the exchange of the earnest money that outlines the conditions for refunding the amount.
- Earnest money deposits can be anywhere from 1–10% of the sales price, depending mostly on market interest.
- Should a buyer break the terms of the contract, they may be at risk of losing their earnest money deposit.
- However, there are a number of potentially agreed-upon contingencies that may protect the buyer from backing out of a deal but still keeping all of their earnest money.

Questions? Let's chat!

Kelly Jennings
[email protected]
(910) 363-6602



Here’s wishing you everything that makes you happiest, today and always. Happy Valentine’s Day!
02/14/2023

Here’s wishing you everything that makes you happiest, today and always.

Happy Valentine’s Day!

If you are online-shopping, don't miss that ONE you love! Call us to get pre-approved this weekend. Need a real estate a...
02/10/2023

If you are online-shopping, don't miss that ONE you love!

Call us to get pre-approved this weekend.

Need a real estate agent?
We'd love to connect you with the best!

We have relationships to get you the right expert for your property search.

Let's get you home!

Kelly Jennings
[email protected]
(910) 363-6602


There's more to purchase than rates! It's tempting to put your home purchase plans on hold when mortgage interest rates ...
02/09/2023

There's more to purchase than rates!

It's tempting to put your home purchase plans on hold when mortgage interest rates have risen.

But, you may be surprised to see that positive market forces at play can lessen the impact of higher rates.

Plus, we have loan strategies to help you make a move, no matter the market.

When you're ready to explore your options, we're here to help!

Kelly Jennings
[email protected]
(910) 363-6602



Still paying rent...so last year! But really, we know homeownership takes planning and preparation. If your rent renewal...
02/07/2023

Still paying rent...so last year!

But really, we know homeownership takes planning and preparation.

If your rent renewal is up soon, we should connect now to talk through your goals and create your path towards homeownership.

Be your own landlord this year!

Kelly Jennings
[email protected]
(910) 363-6602



Have you ever wished you could go back in time and start something over? The desire to go back in time to change somethi...
02/06/2023

Have you ever wished you could go back in time and start something over?

The desire to go back in time to change something is not uncommon.

This quote reminds us that we don't have to be limited by the past. What we know now and do now can change our future.

Go get it!


The high price of closing costs can be a barrier to buying for some people. If that's the case, consider asking the sell...
02/02/2023

The high price of closing costs can be a barrier to buying for some people. If that's the case, consider asking the seller to help pay some of the closing costs. This is called asking for "seller concessions." Your Realtor can help you write an offer asking for seller concessions.

Generally, a seller raises the price of the home by the amount of the closing costs that they'll be paying.

However, you need to stay under mortgage-specific seller-concession limits!

Check out our cheat sheet.

Kelly Jennings
[email protected]
(910) 363-6602


ATTENTION REAL ESTATE INVESTORS! Is it possible to qualify for an Investor Cash Flow Loan if you own multiple properties...
02/01/2023

ATTENTION REAL ESTATE INVESTORS!

Is it possible to qualify for an Investor Cash Flow Loan if you own multiple properties?

Yes, although, the limit on the number of homes financed may vary.

Program Highlights:
- Loans from $100,000 to $3.5 million
- No income or employment information required
- Properties can be in LLC's name
- No limit on number of properties
- Gift funds allowed with minimum 10% of borrower's own funds
- Purchase, cash-out, or rate-term refinance
- 15, 30, 40 year fixed and Adjustable Rate Mortgages available

Ready to discuss? Let's chat!

Kelly Jennings
[email protected]
(910) 363-6602


Integrity Home Mortgage Corporation provides a variety of programs to meet the needs of the growing manufactured housing...
01/31/2023

Integrity Home Mortgage Corporation provides a variety of programs to meet the needs of the growing manufactured housing market.

We are able to provide affordable housing for single-wide homes with Conventional, FHA and VA financing.

Program Highlights:
Conventional:
- Primary purchase or rate term Refi
- 5% Minimum down payment
- 620 Minimum qualifying credit score
- Located on individual lot
- Floor area no less than 400 sq ft
- Standard MI coverage applies
- Manufactured date after June 15, 1976

FHA and VA:
- Primary purchase only
- FHA 3.5% down
- VA zero down
- 680 minimum credit score
- Located on individual lot
- Manufactured date after June 15, 1976
- Maximum 10 acres

Kelly Jennings
[email protected]
(910) 363-6602

*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or VA or the Federal government.


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Address

1608 Queen Street, Office 12
Wilmington, NC
28401

Telephone

+19103636602

Website

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