Kristen Ball

06/14/2022

5.0 star review received on Experience.com for Kristen Ball by Gary J R J - Kristen provided excellent service and immediate responses to our questions.

Click to see all 20 reviews of Kristen Ball,
Mortgage Loan Officer NMLS ID 1959950

06/01/2022

05/19/2022

Got student loan debt? Don’t let that get in the way of life goals - like buying a house. You might feel like your student loan debt is taking over your life, but it is possible to qualify for a mortgage, even while paying off your student loan debt.

If you are looking to purchase a home now - or in the future - and you have student loan debt, check out today’s blog article for more information about how you can qualify for a mortgage.

- https://townebankmortgage.com/blog/mortgage/don’t-let-student-loan-debt-hold-you-back-from-your-homebuying-dreams/

05/11/2022

In honor of Mental Health Awareness Month, we wanted to make this week's Wednesday Wisdom a PSA to help YOU have a mindful and stress-free home purchase!

Some simple mindfulness techniques that you can use as you purchase your home include:

05/05/2022

Happy Cinco de Mayo! Let's taco 'bout financing today and host your next fiesta in your very own home.

05/03/2022

If you’re interested in purchasing a home but having trouble coming up with cash for a down payment or closing costs, you’re not alone. But did you know that, depending on your income, credit, location, and other factors, you could qualify for down payment assistance?

Learn more about down payment assistance in today’s blog article, or reach out to me today to talk about your options.

- https://townebankmortgage.com/blog/mortgage/could-you-qualify-for-downpayment-assistance/

05/03/2022

Thinking about buying or refinancing a home but are concerned about a gap in your employment due to parenting, COVID , or other reasons? Let’s talk about solutions and plan a financial roadmap! PM me or comment below and we can talk through your personal situation.

04/13/2022

A little bit of curb appeal can go a long way, especially when it comes time to sell your home. Figure out why curb appeal is so important, and how you can enhance your outdoor space in today’s blog article.

- https://townebankmortgage.com/blog/home-tips/spruce-up-for-spring-adding-curb-appeal/

04/05/2022

Don't forget that the extended deadline to file your taxes is right around the corner!

03/30/2022

Many first-time buyers are unaware that a 20% down payment is not necessary on a home purchase, even with a conventional loan. However, when putting less than 20% down, the lender typically requires the borrower to pay Private Mortgage Insurance.

So what is Private Insurance, and can you get rid of it once you reach 20% equity in your home?

Find out more in today’s blog article.

- https://townebankmortgage.com/blog/mortgage/the-abcs-of-private-mortgage-insurance/

03/22/2022

Whether you’ve been through a separation or divorce or know someone that has, it is very tough emotionally, and the last thing anyone needs to worry about is more problems with living arrangements and financing. Yet this is a common cause for concern for most people going through the divorce process. The good news is that it is a solvable challenge when you have the right professionals by your side. Check out these tips on how to navigate the homebuying process while going through a divorce.

- https://townebankmortgage.com/blog/mortgage/tips-to-buying-a-home-while-going-through-a-divorce/

03/21/2022

Still unsure if you should buy a home? Here are a few reasons!

-Never worry about an expiring lease or rent increases.
-Fixed monthly payment and zero down payment options.
-Owning also serves as a bank account! Paying monthly toward your principal balances helps you earn equity in your home.
-Freedom to personalize a house and make it your home.
-No restrictions or fees on pets!
-Provides tax benefits, insurance deductions, and more! (Please consult your tax advisor)

What are you waiting for? Contact me to get started!

03/15/2022

Spring is the busiest time of year for buying and selling real estate. Between the warmer weather, the longer days and the pending summer vacation, buyers and sellers are more motivated this time of year. Here are some tips if you’re interested in purchasing a home this Spring!