Licensed State: Kentucky

About Keri

Keri has been writing mortgages full time since 2011. Before that she was a consumer loan officer handling auto loans, home equity lines and personal loans, which turns out to be useful background for a borrower whose credit needs work before a mortgage is realistic.

She works Colorado Springs, Denver and Pueblo in Colorado, and Pinellas County, Tampa, St. Petersburg, Sarasota and Naples in Florida. Most of her volume is VA and FHA, along with DSCR loans for investors and bank statement loans for the self-employed.

The files she is best on are the ones that arrive damaged. Credit repair, credit counseling, first-time buyers who have been told no, and self-employed borrowers whose tax returns understate what they actually earn. This year she has taken on four loans another lender had already declined and closed them.

The question she gets most is what rate she can get someone. Her answer is that she will not throw out a number that looks good and does not reflect the actual file. What you are offered depends on your credit profile, the loan type, the property, and whether you choose to pay points, and she would rather take a few details first and then show you the real options and what each one means over the life of the loan.

Keri was born in Ohio, spent thirty years in Colorado and now splits her time between Colorado and Florida. She has a husband, two daughters and four pets, she runs, she travels, and she volunteers at the humane society walking dogs. She has served on the board of the Colorado Springs Fire Foundation for the past five years.

Her own account of what makes her different is that she leads with her heart. Plenty of loan officers say that. She would rather demonstrate it through transparency, communication and honesty.