Kim Magoon Somaini - Academy Mortgage

When you're buying a home, you have the option to have an inspection done on the property you're buying. The inspection is a thorough examination of a home's condition performed by a local professional. As the potential buyer, an inspection could reveal any potential, hidden issues with the home that could be costly to repair. Have other questions about the home-buying process? Message me!

As you search houses, you may find yourself with limited options. Should you build a home instead? “https://tinyurl.com/mprmmxak?lo=Kim-Somaini”

Get in touch, and I’d be happy to walk you through your options.

There are a lot of terms thrown at you when you're considering buying a home - we know it can get confusing. A fixed-rate mortgage has a fixed interest rate that remains the same throughout the life of your loan, while an adjustable-rate mortgage has an interest rate that can change over time based on market conditions. There are pros and cons to each type of product, depending on your goals. Regardless of what your goals are, Academy Mortgage has a product to help make them become reality. Give me a call and let's chat about your options.

You’re about to make an offer on your dream home, but the property has an HOA. Is that a deal-breaker, or should you go ahead with the purchase? “https://tinyurl.com/4nuzat6y?lo=Kim-Somaini”

If you have questions about how HOA dues could affect the amount of mortgage you qualify for, please send me a message.

Rates are determined by a variety of factors, like the current state of the economy, inflation, and overall demand for mortgages. An individual's credit score, income, debt-to-income ratio, and even the loan type and its terms can impact the rate. While most homebuyers are - understandably - looking for a low rate when considering buying a home but did you know that the loan with the lowest rate isn't always your best option? Getting into the wrong mortgage could potentially cost you thousands, wiping out any savings from a low-interest rate. I can help find the ideal product at a price that fits with your life. Contact me for a personalized assessment.

Not all lenders offer VA Loans. But at Academy, we consider it our privilege. Do your clients qualify for a VA Loan? Check out this infographic: “https://tinyurl.com/kxvu3fmc?lo=Kim-Somaini”

The total amount borrowers need to bring to the closing table is often referred to as "cash to close". Cash to close can consist of closing costs, down payment, prepaid interest, taxes, and homeowners’ insurance. Contact me today and I can help run scenarios and find a loan that fits your life.

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We all know it, that feeling when you instantly feel at ease, that "warm, fuzzy" feeling. Well, working with a local lender feels like that. At Academy Mortgage, we treat our clients like family. We work alongside you to find a mortgage solution that fits your goals. Our personalized service will feel like a warm blanket - removing any not so fuzzy feeling about buying a home. Ready to start your homebuying journey? Give me call.

This is another one of the questions I'm asked most frequently! Closing costs typically range from 2-5% of the home's purchase price. You should budget for these costs when planning your home purchase. Give me a call and let's start planning for your future confidently.

5.0 star review received on Experience.com for Kim Somaini by Brenda M - Kim is always great to work with. She is efficient at her job and clearly communicates with all parties involved in the transaction! Thank you Kim!

New ★★★★★ 5 Star Experience.com Review by Brenda M Click to see all 111 reviews of Kim Somaini, Senior Loan Officer | NMLS # 207001

Refinancing is the process of replacing your current loan with a new one with different loan terms. This can help you save money on interest over the life of your loan, reduce your monthly payments, or even allow you to pay off your loan sooner. Whether you've had some life changes over the past few years or have questions about what equity you've gained, it's always a good idea to review your mortgage. Let's explore what's possible together. Contact me for your complimentary mortgage check-up.

Don’t get caught in the cold! Before temperatures drop, test your heating system to make sure it’s working properly. If things seem off, I can make a recommendation for someone local to help. If you want more tips to help you prep your home for cooler weather, send me a message.

This is the question I get asked the most. Calculating your debt-to-income ratio (DTI) is a great place to start when determining how much you can afford to spend on a home. Your DTI compares your monthly debt payments to your monthly income. Reach out for a complimentary mortgage calculator and together we'll figure out how much home you can afford.

You’ve kept your lawn looking beautiful all summer. Don’t lose out on that hard work just because the temperatures are cooling off. Now is a great time to fertilize your lawn, rake leaves, and trim back any bushes or trees. If you don’t want to do it yourself, I’m happy to recommend someone who can help!

The market may be spooky, but I’m not afraid to help make your homeownership dreams come true, at a monthly payment that won’t give you nightmares. Give me a call today!

Picture this, you’re all snuggled up on the couch on a crisp fall morning enjoying your coffee. Nothing can ruin that vibe more than drafty windows and doors – not to mention its incredibly inefficient and could raise your energy expenses. Want to know more ways to make your home more efficient? Give me a call!

Some homeowners make extra payments when they can, while others schedule bimonthly payments. Paying ahead is just one way to save big: “https://tinyurl.com/2p8c995s?lo=Kim-Somaini”

Are you getting the most out of your mortgage? Contact me, and I can help you find out.

As leaves fall, consumer debt rises. Let me change that narrative! With record home equity, it’s time to take control. Consider paying off high-interest debts or securing cash for a rainy day. Your financial future can look brighter. Contact me today to explore your options and regain control of your finances!

As a young homebuyer, you may not have much of a credit history or built up large savings—and that's ok! In fact, that could make it easier for you to qualify for down payment assistance! Academy Mortgage has programs that could help with your down payment, closing costs, or other costs associated with a home purchase. Maybe homeownership is more affordable than you thought. Message me for more info.