Stephanie Kirkman - NMLS# 1314085
Supreme Lending Corpus Christi Branch NMLS #1600633
Operating as usual
💡🏡 If you purchased your primary residence in 2020, do not forget to file your homestead exemption form with your local county appraisal district. This will give you a 15-20% break in overall taxes so you do not want to miss the deadline. For all my Nueces County Residents, here is a link to the FAQs: http://www.nuecescad.net/Exemptions
Realtors 💡 This is an informative article on FHA Inspections—Repair Requirements and Guidelines for Loans. Check it out!
thebalance.com The FHA requires that certain defects be fixed before closing. These checklists identify what you do and don't have to worry about in a home sale.
Stephanie Kirkman - Supreme Lending
💡🏡 Before you start looking at homes to buy, you need to get prequalified to understand how much home you can afford!
Message me about getting prequalified to save yourself time and headaches when you're buying a home! 🙌
Don't think you can afford a home? Do the math. How much are you paying in rent? How long have you been paying rent? I would love to go over all your options with you when it comes to purchasing a home. Do not be intimated by the process, we just need to start somewhere.
[09/10/20] Many of my customers are experiencing bidding wars on the homes they want. Here are some tips to avoid to help you craft the best offer!
Mr. Trevino was paying over $1000 in rent on an apartment and knew he was ready to purchase his first home. He got an amazing deal on this beauty right here! Don't let this pandemic fool you, people are still buying homes and you won't know all your options until you try! Give me call or DM me to get started today!
Let's talk about Home Buyer Blunders... 🏡💡🗣
We've all heard stories of our friend of a friend who bought a home with $0 and while yes these are fantastic circumstances, this isn't the case for everyone. Yes there are grants for down payment assistance BUT you will need to save some of your own money for costs such as:
💲 Earnest Money ($500-$1000)
💲 Home Inspections ($500+)
💲 Appraisal ($550+)
💲 Closing Costs (These "can" be paid by the seller but it is at the sellers discretion. They do not have to help with buyers closing costs so whatever they do not cover the buyer is responsible for at closing.)
Message or call me for any questions you have on purchasing or refinancing your home today! 361-660-6933 🏡❤️💸
Thank you to BKT Church for inviting to be a part of their Faith and Finance Class. I will be talking about CREDIT SCORES!
People often ask, is this even the right time to buy a home?
Maybe. Maybe not. It is however ALWAYS a good time to see where you stand and know all your options.
Every circumstance is different. I would love to guide you through the process and help you achieve your goal of owning a home. ❤️🏡
Quick video on things to avoid doing during the process of purchasing a home.
Stephanie Kirkman, Mortgage Loan Officer's cover photo
It’s been a great March despite COVID-19. I love helping people achieve their goal of owning a home!
Actual Conversation with a customer
Customer: I want to buy a house but I need to pay off some debt and save money. I will be ready in about 2 years.
Me: Let me go ahead and pull credit now. I'll look for ways to lower your monthly payments and raise your scores so that you don't have to wait 2 years.
Customer: I am embarrassed. I don't think it is possible. But I guess go ahead...
Me: 20 minutes later... I found a way to save you $612 a month, down payment covered and for $40 more a week that what you are already paying in rent, you could be a homeowner of a $150,000 home!
They closed on their home on 3/13/20. Check out their testimonial video on my page!
You have nothing to lose and everything to gain. Give me a chance to help you achieve your goal of owning a home!
A reoccurring nightmare I have 🤣🤣🤣
Happy Monday, Here’s to hoping you have a productive week filled with tacos! Sounds like a perfect week to me 🤣🤷♀️🌮
Tip of the day- How to quickly boost your credit score using a secured credit card! Please share this video, I promise you at least one of your friends will benefit from watching! #CreditScoreQueenofCC #ClosedwithStephanie #HomeSourceMortgage
There are many different ways to boost your credit score. In this video, I discuss how secured credit cards can help raise your credit score within 30-60 days.
“If you dream of owning a home, I want to partner with you to make it happen. If credit is holding you back, I will give you a step by step guide on how to raise your score. If you need help budgeting, I will show you how to save. If you’re curious about down payment assistance, reach out. I am your resource partner and my goal is to help you achieve home ownership! No obligations, you’ve got everything to gain and nothing to lose.” Click on this link to apply today so we can have game plan going forward! You've gotta start somewhere.
Have you ever wondered how much you are paying in rent over time? Check out this video!
Realtors please share this video, let’s educate renters!
Educating consumers on cost of renting from a year to 20 years.
Did you know you can pull a Free Credit Report from each bureau every year? This is the website I recommend to all my customer. It is very important to monitor your reports to catch any errors or inaccurate information. This website is a great first step!
annualcreditreport.com Suspicious activity or accounts you don't recognize can be signs of identity theft. Review your credit reports to catch problems early.
In this video, I explain:
YES! I can help you raise your credit score for FREE
YES! You can qualify for a mortgage with a score under 580
YES! Down payment assistance programs are available to you
Let's talk about the top two obstacles consumers face: low credit score and/or no money for a down payment.
Stephanie is a wife and a mother. She is passionate about helping people achieve their dream of homeownership. Music is also one of her passions. On the weekends you can find her singing with her band as well as in church.
"I absolutely love serving people, whether it be with purchasing a home or entertaining through music. I’m very excited about serving my community as a Residential Mortgage Loan Originator. Regardless of what my title is, I am in the business of helping people, it makes life so much more rewarding! If you dream of owning a home, I want to partner with you to make it happen. If you need help budgeting, I want to show you how to save. If you're curious about down payment assistance, reach out. I am your resource partner and my goal is to help you achieve homeownership! No obligations, you've got everything to gain and nothing to lose." - Stephanie Kirkman
Full Service Real Estate Appraisal, Brokerage and Property Management Firm in Corpus Christi est. 2005
Corpus Christi & San Antonio Texas - For notifications on upcoming & newly listed foreclosure homes visit www.southtexasforeclosures.com
On Corpus Christi's most prestigious street, Ocean Drive, you'll find the perfect apartment at beautiful, Ocean Palms Apartments.
For all your personal housing needs. Thinking about buying a new home or selling your existing one to upgrade? contact me via email or cell phone.
Real Estate Experts located in Corpus Christi. We are here to help with any of your property buying and selling needs! 25 years combined experience helping our Coastal Bend community.
The Retreat by Watermark offers 1, 2 and 3-bedroom luxury garden-style apartments with numerous amenities that provides residents with resort-like living.
Serving the Coastal Bend since 2004.
More Home For Your Money
FREE Apartment Locating Serfvice3
Stonewater Properties provides leasing for industrial, commercial, retail and office and warehouse space.