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Elizabeth Kinsey, Loan Originator with PrimeLending, NMLS #404460 Interviewed on the Colorado Real Estate Podcast

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Elizabeth Kinsey, Loan Originator with PrimeLending, NMLS #404460 Interviewed on the Colorado Real Estate Podcast

Published on December 16, 2022

Elizabeth Kinsey discusses the differences between mortgage Buydown vs. ARM

Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-elizabeth-kinsey-loan-originator-with-prime-lending/

 An Adjustable-Rate Mortgage (ARM) is a home loan with an interest rate that can change over time. The changes in the interest rate are tied to an index, such as the Secured Overnight Financing Rate (SOFR) which is used as a benchmark for setting interest rates. ARMs usually start with lower interest rates than fixed-rate mortgages, but the rate adjusts periodically, usually annually or semi-annually, based on movements in the underlying index.

Mortgage buydown* refers to someone paying additional points at closing to reduce their mortgage payments during the early years of their loan term. Buydowns help borrowers by initially giving them a lower payment since they make pre-payments towards the interest to reduce the amount due each month. These points may be paid by a third party, such as a homebuilder or the seller.

The reduced payments typically last for one to three years, after which the loan rate adjusts to the current market rate, and payments could increase significantly. It is important to note that while mortgage buydowns can provide relief in tight budgets, they will add to total borrowing costs over time.

Elizabeth said: “Both mortgage Buydown and ARM loans offer advantages and disadvantages that should be carefully considered before making your choice. With an ARM, you can usually get a lower initial rate than with a fixed-rate mortgage, but your payment could rise significantly when rates adjust. With a buydown, you can get a lower initial mortgage payment, but the added costs will increase your total borrowing costs over time. Ultimately, it is important to weigh the pros and cons of both options to determine which one best meets your needs.”

It’s also important to remember that when choosing either an ARM or a mortgage buydown loan, one must check with multiple lenders to get the best possible rate. Shopping around for different loan products can help people find the best deal for their needs – so it’s best to compare terms and rates from multiple lenders before making a final decision.

Client Katie A. from Grand Junction, CO, says: “I had a great experience working with Elizabeth Kinsey for my home loan. She was knowledgeable and responsive throughout the entire process!”

About Elizabeth Kinsey

Elizabeth is a Colorado Native and enjoys being outdoors on the trails. Her background before starting her mortgage career includes a degree in Economics and teaching/education. She has been originating mortgages for over 20 years and her success has been based on word of mouth. Her passion is to educate and empower homebuyers so that they are clients for life and she earns the right for them to refer friends and family. She ensures borrowers are well educated about the process and programs available so that she can help them build a clear mortgage plan. She is fully invested in homebuyers’ happiness and lives by the motto that trust is built on small kept promises.

Elizabeth has been awarded the Five Star Professionals designation in 2014, 2015, 2017, 2018. 2019. 2021 and 2022. Only 7 percent of mortgage professionals in a geographic market area can be named a Five Star award winner.  She will also be featured in the December 2022 Forbes magazine

Learn More: www.lenderliz.com

https://www.linkedin.com/in/elizabeth-kinsey-96538b23

https://fivestarprofessional.com/spotlights/100374.

NMLS is #404460

5613 DTC Parkway, Suite 750, Greenwood Village, Co 80111

*Restrictions apply, some loan programs do not allow buydowns, contact the PrimeLending loan officer for more details. All loans subject to credit approval. Rates and fees subject to change. ©2022 PrimeLending, a PlainsCapital Company (PrimeLending). (NMLS: 13649) Equal Housing Lender. PrimeLending is a wholly owned subsidiary of a state-chartered bank and is an exempt lender in CO.  V010918

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Mary Ann Stiles Ascends to Top of the Bestseller Lists in Four Countries with Top 50 Fearless Leaders Vol. 2

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Mary Ann Stiles Ascends to Top of the Bestseller Lists in Four Countries with Top 50 Fearless Leaders Vol. 2

Published on May 30, 2023

Top 50 Fearless Leaders Volume 2, featuring the trailblazing Mary Ann Stiles, has claimed the #1 spot on bestseller lists in the USA, Canada, United Kingdom, and Australia, reaching the status of No. 1 International Bestselling book.

The International Association of Top Professionals (IAOTP) is thrilled to announce the international recognition and success that Top 50 Fearless Leaders Volume 2 has garnered. With Mary Ann Stiles as one of the spotlighted leaders, the book has struck a chord with readers, pushing it to the pinnacle of bestseller lists in four countries.

Upon its launch, the book outperformed renowned titles such as Think and Grow Rich (Napoleon Hill), Rich Dad, Poor Dad (Robert Kiyosaki), The 7 Habits of Highly Effective People (Stephen Covey), and more. This notable feat not only underscores the remarkable appeal of Ms. Stiles’ story, but it also emphasizes the book’s profound resonance and influence among a global audience.

Curated by IAOTP, Top 50 Fearless Leaders Volume 2 intertwines the compelling narratives of eminent figures from a variety of sectors. Among these inspiring journeys of resilience, determination, and passion, the story of Mary Ann Stiles shines bright. Her life and career deeply resonate with readers, leaving them inspired by her tenacity and ‘can-do’ attitude.

Born into humble beginnings, Mary Ann Stiles, the first college graduate in her family, has forged a remarkable journey. From her first experiences in a home without basic facilities, she worked her way up through community college, college, and then law school. Now a respected Vice President, General Counsel, and successful entrepreneur, her story exemplifies the fearless spirit that the book series strives to celebrate.

In her esteemed career, Ms. Stiles has received multiple awards and accolades, including being inducted into IAOTP’s Hall of Fame and being named Top Attorney of the Year by IAOTP. Her accomplishments are now reaching a global audience through her enlightening chapter in Top 50 Fearless Leaders Volume 2, reinforcing her status as a beacon of resilience and leadership.

“We’re extremely proud of the significant impact that Top 50 Fearless Leaders Volume 2 is making globally, and particularly the extensive influence of Mary Ann Stiles’ inspiring journey,” said Stephanie Cirami, President of IAOTP. “Her story of resilience, perseverance, and unwavering dedication to her field is a testament to the profound influence of fearless leadership.”

As Top 50 Fearless Leaders Volume 2 continues to gather momentum on bestseller lists worldwide, the narratives of the featured leaders, including Mary Ann Stiles, are set to inspire, empower, and leave a lasting impression on readers around the globe.

About IAOTP

The International Association of Top Professionals is an exclusive boutique networking organization dedicated to recognizing and connecting the world’s most distinguished professionals. IAOTP offers its members unparalleled opportunities for collaboration, keynote speaking engagements, and mentorship within their respective fields. IAOTP extends exclusive membership invitations to those distinguished professionals nominated by a reputable honorary member or personally invited by the President.

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Joshua Dean Named Among the Top Mortgage Originators in the Nation in 2022 by Scotsman Guide and Mortgage Executive Magazine

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Joshua Dean Named Among the Top Mortgage Originators in the Nation in 2022 by Scotsman Guide and Mortgage Executive Magazine

Published on May 30, 2023

Mortgage Executive Magazine and Scotsman Guide list Joshua Dean among America’s top mortgage originators in 2022.

Joshua Dean, Sales Manager and Mortgage Advisor at Homeowners Financial Group, has been ranked among the nation’s top originators based on dollar and unit volume originated during 2022. He is the leader of The Dean Team which serves clients seeking residential purchase and refinancing mortgages from its office in Canton, Georgia.

Scotsman Guide’s annual listing, Top Originators 2023, published in April 2023, names Dean as one of the nation’s top mortgage originators. Scotsman Guide stated, “Since 2010, Scotsman Guide has ranked thousands of the nation’s top producing residential mortgage originators. The longevity, verification process and comprehensive scope of this list have positioned it as a benchmark for the mortgage industry.”

Dean was also listed in Mortgage Executive Magazine’s ranking of the Top 1 Percent Mortgage Originators in America 2022, also published in April 2023. The magazine creates the list “to recognize and celebrate the service, dedication and hard work that leading mortgage professionals put into serving their clients during the home loan process.”

Dean said, “Getting repeated opportunities to be part of our clients’ stories and serve alongside our partners brings immense joy to our team. We embrace this national recognition with great humility and gratitude. The Dean Team exist to create experiences that matter by delivering value that has generational impact for the people we serve.”

Joshua Dean (NMLS#1662895) is the Sales Manager and a Mortgage Advisor at Homeowners Financial Group USA LLC ’s (NMLS#93718) office in Canton, Georgia. He has over 15 years of experience in the financial services industry including residential mortgages, debt management, and property and casualty insurance. Dean and his team serve clients in Georgia, Florida, Alabama, and Tennessee. In addition to the Mortgage Executive Magazine and Scotsman Guide rankings, he has been awarded as a member of the Homeowners Financial Group’s President’s Club for 2020, 2021, and 2022. Dean and his team exist to create experiences that matter by delivering value that has generational impact for the people they serve. He holds a bachelor’s degree in Early Childhood Education as well as a master’s degree in Theological Studies. Dean, his wife Tina, and their three children live in the North Georgia area. For more information about Joshua Dean, visit www.HomeownersFG.com/JoshuaDean.

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The Teacher Squad: Successful Real Estate Agent Violet Delgado Highlighted on the Agents Lounge Podcast

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The Teacher Squad: Successful Real Estate Agent Violet Delgado Highlighted on the Agents Lounge Podcast

Published on May 29, 2023

The latest episode of the Agents Lounge podcast features Violet Delgado, the real estate team leader with Jason Mitchell’s Realty Group. Delgado shares her insights on achieving success in the real estate industry, drawing from her experience as a former teacher and stay-at-home mom.

The latest episode of the Agents Lounge podcast features Violet Delgado, the real estate team leader with Jason Mitchell’s Realty Group. Delgado shares her insights on achieving success in the real estate industry, drawing from her experience as a former teacher and stay-at-home mom.

Delgado’s journey into real estate began during the COVID-19 pandemic, when she decided to take a break from her teaching career to focus on her young children. She noticed a former colleague closing deals left and right in real estate and was intrigued. After a conversation with him, Delgado was sold on the idea of pursuing a career in real estate.

On the podcast, Delgado shares how her background in education has helped her in her real estate career. “Teaching is all about building relationships and communication,” she says. “Those skills have translated well into real estate, where building relationships with clients is key to success.”

Delgado also emphasizes the importance of being proactive and staying organized in the real estate industry. “You have to be on top of everything and be proactive,” she says. “You can’t wait for things to happen, you have to make them happen.”

In addition to her insights on achieving success in real estate, Delgado also shares some of the challenges she has faced in the industry. “One of the biggest challenges is managing client expectations,” she says. “You have to be honest with them and set realistic expectations from the beginning.”

Delgado’s dedication to her clients and her passion for the industry are evident in her success as a real estate team leader. She attributes much of her success to her team and their shared commitment to providing exceptional service to their clients.

“We have a great team dynamic,” she says. “We all have different strengths and skills, but we work together to provide the best possible service to our clients.”

Listeners of the Agents Lounge podcast will benefit from Delgado’s insights and advice on achieving success in the real estate industry. Her experience as a former teacher and stay-at-home mom gives her a unique perspective on building relationships and staying organized, which are essential skills for success in real estate.

The Agents Lounge podcast is a must-listen for anyone in the real estate industry, featuring interviews with top performers and experts in the field. Hosted by Nathan Gayler with Airtegrity Comfort Solutions, the podcast provides valuable insights and advice for both seasoned agents and those just starting out.

As Delgado notes, “Real estate is a challenging but rewarding career. It’s all about building relationships and providing exceptional service to your clients.”

Listeners can tune in to the Agents Lounge podcast to hear more from Delgado and other top performers in the real estate industry.

About the Agents Lounge Podcast:

The Agents Lounge is a podcast hosted by Francisco Bermudez Jr., the owner of Airtegrity Comfort Solutions. The podcast features interviews with successful real estate professionals, who share their stories, strategies, and insights into the industry. The podcast is a must-listen for anyone interested in real estate, whether you are a seasoned professional or just starting out.

https://www.AgentsLoungePodcast.com

About Violet Delgado:

Violet was a dedicated teacher with seven years of experience under her belt. Throughout her career, she taught physics, biology, and a college prep course for high school students. She loved her job and even earned a master’s degree in education from Texas A and M. However, when COVID hit, she decided to take a break from teaching to care for her young children. As a stay-at-home mom, Violet enjoyed spending time with her family but eventually found herself looking for new career opportunities. That’s when she discovered real estate. Today, Violet is a successful real estate agent who loves helping her clients find their dream homes.

https://www.realtor.com/realestateagents/6146c510cf87190012c16468

Violet Delgado

 

About the show sponsor: Airtegrity Comfort Solutions is a locally owned and operated HVAC company that provides top-notch air conditioning and heating services to residential and commercial clients in San Antonio and the surrounding areas. With over 10 years of experience, they have established themselves as a reliable and trustworthy brand in the HVAC industry. As a sponsor of “The Agents Lounge” podcast, Airtegrity Comfort Solutions is committed to supporting the real estate community and providing exceptional service to its clients.

License Number: TACLA115907C

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