Kimberly S. Downs NMLS #1130753

Good Morning Friends! I wanted to share an affirmation for all of you buyers out there that might be frustrated with this CRAZY market. Kansas City was just ranked 8th in most competitive buyers markets in the US! So I know it can feel like you will never find the right house, but... YOU WILL FIND YOUR HOUSE! Make sure you hire the best realtor & lender you know to help you win your offer. ... Don't hesitate to reach out if you need help. And...repeat the mantra below. 816-305-8848 . . #mantra #affirmations #homebuyers #homemortgage #homebuyertips #kcmo #kcmortgage #mortgageexpert

One of the most important rules for a successful closing is to make sure you save the bigger purchases for AFTER closing. . . #closing #mortgage #mortgagememes #closingday #newhome

When you’re thinking about your mortgage options, it’s important to understand the difference between conventional loans and government-backed loans. Give me a call today and let's chat about what option is best for you. 816-305-8848 . . #WisdomWednesday #conventionalloans #mortgageloans #mortgageoptions #homemortgage #mortgageexpert

It's Mortgage Wisdom Wednesday: What's an Adjustable-Rate Mortgage? I'd love to answer any questions you have about mortgage rates, terms and anything in between. Give me a call today and let's chat! 816-305-8848 . .... #mortgagebroker #WisdomWednesday #mortgagewisdom #mortgageexpert #adjustableratemortgage #mortgageterms See more

TIP TUESDAY Should I refinance my house? * Getting a mortgage with a lower interest rate is one of the best reasons to refinance. * When interest rates drop, consider refinancing to shorten the term of your mortgage and pay significantly less in interest payments.... * Switching to a fixed-rate mortgageor to an adjustable-rate onecan make sense depending on the rates and how long you plan to remain in your current home. * Tapping equity or consolidating debt are other reasons to refinancebut beware, doing so can sometimes worsen debt problems. Refinancing can be a great financial move if it reduces your mortgage payment, shortens the term of your loan, or helps you build equity more quickly. When used carefully, it can also be a valuable tool for bringing debt under control. Before you refinance, take a careful look at your financial situation and ask yourself: How long do I plan to continue living in the house? How much money will I save by refinancing? Give me a call today or email me your latest mortgage statement and I will be happy to run the numbers for you and chat with you about whether refinancing is a good fit for you. 816-305-8848 [email protected] . . #refinance #refinancemortgage #refinanceyourhome #refinanceyourmortgage #TipTuesday #refinanceloans

Tip Tuesday: Let's talk HOME WARRANTIES. Some homebuyers receive a home warranty purchased by the seller to cover the home’s major systems or appliances. After all, the last thing a buyer wants to deal with is a broken dishwasher or HVAC unit. If you received a home warranty, it’s a good time to review the specifics, so you’ll know what’s covered and how to file a claim. If you don’t have one, it’s smart to consider purchasing a home warranty, even after closing. . .... #homesweethome #homewarranty #HomeWarranties #homeownership #newhomeowners #newhomebuyer See more

It’s Thankful Thursday and I am so incredibly thankful for the best clients! . . #ThankfulThursday #LoveWhatYouDo #uhm #clienttestimonial #clientappreciation

Congratulations Taryn!! . . #homeownership #goals #funded #newhome #mortgagegoals #nextmove #homeownershipgoals #uhm #mortgagebroker

What opportunity are you going to seize today? . . #motivationmonday #seizetheday #seizetheopportunity #goals #mortgagegoals #homeownershipgoals #uhm #homeownership

Living the life. Call me today to get that pre approval and start looking for your dream home. . . #homeownership #homesweethome #homeownershipgoals #preapproval

A fresh coat of paint is an easy way to brighten up your house and increase curb appeal. Which of these options would you choose? Leave me a comment and let me know! . . #shutthefrontdoor #homediy #homestyle #homedecor #curbappeal #homemortgage #homeowner #dreamhome

Mortgage Wisdom Wednesday: Think of your mortgage payment as a single building composed of several floors, with each floor being devoted to a different department. When you pay the monthly total of your loan it's like sending employees to staff those separate departments which include mortgage insurance, principle, interest, taxes and insurance. Not all home loan terms are the same and not everyone has to have mortgage insurance. You also have the option of paying extra on ...your loan's principle, which is always a good idea if you want to pay off faster. . . #WisdomWednesday #morgagepayment #pmi #mortgageterms #mortgageexpert #mortgagetips #mortgageinsurance #uhm See more

Are you looking to buy a home in the near future? Here’s a few mistakes to avoid. . . #mortgageexpert #homebuyers #homebuyertips #mortgage #mortgagetips

Have you heard that you need 20% down to buy a home? Times have changed and so have your down payment options. -Your parents probably put down 20% or more when they bought a house. But back then home prices were a lot lower than they are today -You might only put down 3% or 3.5% when you purchase a property these days... -But there are still key advantages to putting down at least 20% like no mortgage insurance and a lower interest rate It was customary back in the day to come in with 20% down (or more) when purchasing a property. But times changed as prices rose and mortgage lenders got more competitive (and less risk-averse). Give me a call today and let’s talk about your options. 816-305-8848 . . #mortgageexpert #DownPayment #mortgage #mortgagerates #HomePurchase #nextstep

Open shelves are really having a moment right now. I've got to know, are you into it or are you more a traditional closed cabinet fan? . . #openshelving #kitchendesign #homedesignideas #homedesign #mortgageexpert #kclender #kitchencabinets #uhm2021

Happy Closing Day Christine and Chris! Wi in your new home. . . #newhome #closingday #mortgageexpert #funded #HomePurchase #mortgagelender

Trends show it’s a good time to buy a home! Do you have any questions about which mortgage is right for you or what your rate would be? Give me a call or shoot me a message and we can discuss them! . . #home #mortgageexpert #homeowner #moneywise #finances #invest #investment

Keep moving. . . #MLK #keepmoving #mlkquotes #mlkday

Happy Monday! . . #positivevibes #mondaymotivation #newweeknewgoals #mortgageexpert

Thank you! #RavingFanReview

Yellow is trending right now and has been named the color of the year. I love the idea of a brighter year, but not sure about incorporating it into home decor. What do you think? . . #coloroftheyear #2021 #homedecor #hometrends #redecorating #newyear

Wishing you and your family a very Merry Christmas!

A lot of us resolve in the new year to take better care of ourselves. One of the best ways we can do that is to invest in our future. Give a call today and let’s make a plan to get you out of the rent trap and building equity instead! . . #renters #homeowner #mortgageexpert #lender #uhm2021 #kclender #newyear #goals2021

Dream home means something different to everyone and believe it or not, your dream home may be more within your reach than you think. Give me a call today or shoot me a message and let's talk about how to get you into that home of your dreams. If you had to pick one of these dream homes, which one would you choose? . . #dreamhome #mortgageexpert #kclender #kchomes #newhomenewyear #goals #bigdreams #newyear #uhm2021

If 2020 has taught us anything, I believe it is what we are truly capable of. I want to know what one of your goals is for 2021? . . #goals #2021 #newhomeowner #homesearch #kchomes #newyear #mortgageexpert

How many of you love to go crazy with the Christmas lights? . . #christmas2020 #holidaylights #ClarkGriswald #kclender #christmaslights #Holidays2020 #holidayseason #uhm2020

It's never too late to follow those dreams or to start something new.

Let’s have some FUN! PICK 3 1. Keep - the one and ONLY Christmas movie you get to watch for eternity. ... 2. Experience - the one you actually live in the movie's plot. 3. Delete - the one that should never been seen again. *no, you cannot use the same movie more than once!

CONGRATS Kimberly! I love being able to help people save money! If you are wondering if you could save with a refinance give me a call today or shoot me an email with your latest mortgage statement and I will get to work for you today! . . #uhm2020 #toplender #savingsgoals #monthlysavings #refinanceyourhome #refinancespecialist #refinancenow

Congratulations Timothy! . . #uhm2020 #refinance # #calltoday #savemoney #lowrates #kclender #toplender #mortgagerates

Congratulations Victor on your home purchase! Application to close in 15 days! . . #funded #firsttimehomebuyer #uhm2020 #closingday #mortgagelender #kchomebuyer #HomeSweetHome

Congratulations to Kerri on another great home purchase! Ready to close in 12 business days!!! . . #funded #closingday #fastclose #QuickClosings #toplender #uhm #homepurchase #homeloans #kclender

What home project has brought you the most joy? If you are wanting to free up some money for your next home project give me a call today and let's talk about how a refinance could help you do that! 816-305-8848 . .... #homereno #homeprojects #diy #homedecor #homerenovation #refinance #kitchenremodel #uhm2020 #toplender #lowrates See more

Cheers Domenick and Elena! . . #refinance #realestate #uhm2020 #nomorepmi #noappraisal #lowrates #interestrates #homemarket #mortgagerates

Are you one of them? What's your favorite season or holiday to decorate for? . . #toplender #holidays #homedecor #house #holidaydecor #decor #halloween #mortgageadvisor #uhm2020

Congratulations Lucas & Rebecca! . . #homebuyer #fastclosing #closingday #homemarket #realestate #uhm2020 #toplender #preapproval #mortgagebroker #lowrates

Thank you Lisa! . . #funded #refinance #lowerrates #consolidation #toplender #homeloans #uhm2020 #mortgage #refinanceyourhome

In this crazy market, it IS possible to have a fast closing and here is a little proof for you. . . #homebuyer #fastclosig #closingday #homemarket #realestate #uhm2020 #toplender #preapproval #mortgagebroker #lowrates

Working on pre-approvals all weekend long! Give me a call today 816-305-8848. . . #preapproval #toplender #mortgagebroker #uhm2020 #halloween2020 #lowrates #mortgagelender #homesearch

Call me today or send me an email with your latest mortgage statement and let's see about getting you some scary savings and put some extra money in your pocket before the holidays! 816-305-8848 [email protected] . .... #uhm2020 #refinance #halloween2020 #calltoday #savemoney #lowrates #scarysavings #kclender #toplender #mortgagerates See more