Kristin Schroeder - Cherry Creek Mortgage A Division of Guild Mortgage

So big!! ❤️❤️

Memorial 2024 ❤️ my beautiful family

Grandma and her girls ❤️

words cannot express what a ray of sunshine you are.

My beautiful Neice Isabella and hubby Jason got married a year ago and today they bought their first home!! I am so proud to have helped you. We all look forward to so many happy memories in your new home. Congratulations Jason and Isabella!!!

It’s official. Pretty sure my little Harper is sticking with blue eyes and a head full of hair like her mamma. ❤️

Rates are going down......
Let's get you into a home today!

Off to middle school. 🥹

My Emi is smiling and she is such a happy little baby!

2023 Circuit Assembly: Friends of Peace Luke 10:6

Here is to the first’s. Very first baby girl Memorial and fist memorial being married!!

My little Emi now❤️

One month ago Sebastian and Kimberly welcomed their beautiful baby girl into the world. Hello, Emi Kay weighing in at a whopping 6lbs 1 oz. Mamma did so good during delivery. Emi grandma and grandpa and Uncle Hayden loves you so much! ❤️

Part 2! ❤️

Our 30th surprise party! Part 1….Thank you so much Kayla and Reed! You made it so special and memorable! Thanks so much to everyone that came!!

We can do mortgages in Arizona! 🎉

Great weather, food, and outdoor activities are definitely nice but if there’s one thing we can all agree on it’s that paying less taxes is always a win. The friendly tax climate is definitely one of the reasons why so many people relocate to Arizona each year.
If you or anyone you know has a need for financing assistance in Arizona, feel free to reach out to me!

In need of a date night and don’t know where to go? 🍜 🍔 🌮
Check out this list of local restaurants and see what tickles your taste buds!

https://travellemming.com/denver-restaurants/

Comment below where you choose to go!

Part 2

Kimmy’s baby shower Part 1
Only 4 weeks to go!

Why Use the Lender You Use? 🧐 🏡
Use the lender you use for these 5 reasons:

1. They explain how you can get your finances in shape before home shopping.

2. They help you navigate all the loan programs and guide you to the best one for you.

3. They compare rates for you across various mortgages.

4. They and their team are thorough in their underwriting so you get the best preapproval.

5. They give you a detailed loan estimate that spells out terms, monthly payment, fees, and closing costs.

If you feel like you aren’t getting the best service, don’t hesitate to reach out to me! Myself and my team will get you taken care of!

#2023

We can do mortgages in Alabama! 🎉

Alabama is known for its Southern hospitality, its history of civil rights, and its low cost of living. Along with its low cost of living, the weather is one of the main reasons people love moving to Alabama.
If you or anyone you know has a need for financing assistance in Alabama, feel free to reach out to me!

5.0 star review received on Experience.com for Kristin Schroeder by Krystle M - The whole homebuying process for me was 6 weeks from the very start of "I want a home", to the day we closed. Quick close, informative advice, punctuality on Document deadlines, and overall a great experience. Thankyou so much Day One for making a dream of ours come true!

New ★★★★★ 5 Star Experience.com Review by Krystle M Click to see all 9 reviews of Kristin Schroeder,
Loan Originator, NMLS #316573

Avoid the Rental Trap in 2023! 😱 🏡
If you’re a renter, you likely face an important decision every year: renew your current lease, start a new one, or buy a home.

It’s important to consider how rent growth is expected to continue as you calculate your monthly budget for housing. http://Realtor.com forecasts that rent will increase another 6.3% this year.
To get out of the rental trap, homeownership provides an alternative to rising rents. Freddie Mac says: “Monthly rent payments may increase over time, but a fixed-rate mortgage will ensure that you’re paying the same amount each month. Steady payments allow you to budget wisely and make plans for the future.”

Besides, you are already paying a mortgage when renting, you may as well buy a home and pay your own, and take advantage of building your wealth through equity.

#2023

Hack the 2023 Rate Drop!!! 😱
Mortgage rates are set to drop in 2023. Fannie Mae believes it along with many others. Here’s how you can leverage that now.

When rates do drop, one word is gonna summarize what’s gonna happen. FOMO. Just think, everyone has been on the sidelines, waiting for rates and prices to drop. Then BOOM, rates plummet and everyone wants in. Creating a seller’s market and driving up home prices.
So don’t wait for the drop, act ahead of it. Buy that dream home now and refinance later.

Reach out to me and see what you can qualify for!

#2023

We can do mortgages in Texas! 🎉

Live in the Lone Star State and take advantage of affordable housing, no state income tax, and tons of job opportunities. Plus enjoy the Texan culture, BBQ, and diverse landscape!
If you or anyone you know has a need for financing assistance in Texas, feel free to reach out to me!

Adopt These 3 Life Hacks! 🧐
There are always things we can do proactively to make our day-to-day activities more efficient.

1. Make an email signature: Save time with an email signature that is automatically added to each email you send out. Plus, a signature confirms the email is trustworthy and from you, helps increase your brand awareness, and shows your personality.

2. Stop multitasking: There is no such thing as multitasking, it is a false efficiency that ends up costing you more time than it saves. Sporadically switching between tasks means you can’t get into the right mindset to achieve work “flow.”

3. Listen to a podcast or audio book during your commute: If it’s difficult to find uninterrupted time during the day, use your commute to further expand your understanding on topics of interest.

Which one are you going to start implementing today?

What Makes a Rate a Rate??? 🧐
It represents the cost of borrowing money. An interest rate is a percentage of a loan or deposit amount that is charged by a lender for the use of its money.

Interest rates can be fixed, meaning they remain constant over the life of the loan, or they can be variable, meaning they can change over time based on market conditions or other factors.
They are also used by borrowers to compare the costs of different loans and make decisions about which one is the most affordable. In general, interest rates are an important factor in purchasing a home, as they can affect the cost of borrowing.

We have several loan programs with varying rates, so don’t let the media scare You with “high rates,” because I will help You identify what will work best for You.

We can do mortgages in Wyoming! 🎉
Wyoming offers affordable home prices, no state income tax, clean air, and a wealth of outdoor recreational opportunities.
If you or anyone you know has a need for financing assistance in Wyoming, feel free to reach out to me!

The question I’m sure you are wondering… What will the housing market look like in 2023??? 🧐 🏡
In 2022, the market underwent a major shift as economic uncertainty and higher mortgage rates reduced buyer demand, slowed the pace of home sales, and moderated home prices. But what about 2023?

This year, experts agree we may see the return of greater stability and predictability in the housing market if inflation continues to ease and mortgage rates stabilize.
According to the National Association of Realtors, “while 2022 may be remembered as a year of housing volatility, 2023 likely will become a year of long-lost normalcy returning to the market. Mortgage rates are expected to stabilize while home sales and prices moderate after recent highs.”
According to http://Realtor.com, “buyers will not face the extreme competition that was commonplace over the past few years.”

Perhaps the unpredictability of 2022 held you back from purchasing a home, thankfully, 2023 can be your year to live out your dream!
To know for sure if you are ready, whether you think you are or not, reach out to me and I will look at your unique scenario.

#2023

4.75 star review received on Experience.com for Kristin Schroeder by Thomas G Y J - My wife like how Kristin communicates. I'm happy she got us qualified

New ★★★★★ 4.75 Star Experience.com Review by Thomas G Y J Click to see all 7 reviews of Kristin Schroeder,
Loan Originator, NMLS #316573