Want to know more about Cristie?

Cristie is a Mortgage Professional at SecurityNational Mortgage Company.  She has been in the industry for over 20 years.  Her mortgage background includes processing, underwriting, and originating.  Her focus in the past 10 years has been originating, as it allows her the opportunity to work closely with her clients and to build long-standing relationships. She is consistently a top producer at SNMC.  It is her mission to create and maintain client confidence through competitive rates, superior client service, and stability. Our mortgage team focuses on communicating effectively throughout the process.  In addition, SNMC offers services such as in house processing, underwriting, and funding to help expedite the mortgage process to get to the closing table!  Our clients and agents love the quick turnaround.

For our preferred agents, the North Team offers a variety of marketing services.  These include, but are not limited to, cobranded marketing campaigns, listing-specific materials, monthly agent referral reports for tracking, and weekly industry updates and marketing tips.  We also have an in-house marketing department at SNMC that offers a variety of services, such as branding and collateral design, eCoaching and lead generation strategies, website design, business planning and tracking, and much more.

Cristie values the relationships she has established and encourages the opportunity to earn your business, but more importantly the chance to impress you.  Image


Quick Tips for Ensuring Good Tenant Selection

Great tips if you rent out a home!

LandlordPad - Official Blog

glasses2Landlords love great tenants and there are good ways to establish whether a someone will likely be one. Of course, regular background checks are important, but there are a few other things a property owner can do to help in their decision-making process.

  1. Check credit scores and dismiss those who fall under 600. That’s the absolute bottom threshold many landlords accept and for good reasons. Lots of problems can be avoided by respecting this number.
  2. Verify income with the prospects’ most recent pay stubs or directly contacting their employer.
  3. A prospects’ total gross income should be equal to at least three times the rent.
  4. When meeting with them, be aware. Take a look at their vehicle. No, it doesn’t need to be new and shiny, but clean is good. Their automobile is their property. If they don’t treat it well, imagine how they will treat something that isn’t theirs.
  5. Consider…

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Debt Relief Act Extended Through 2013

Great information about a tax credit, and short sales. If you are in this situation please read this.

Data Facts Blog

calendar_iconFor the past few years, homeowners were able to utilize a tax break (part of the Mortgage Forgiveness Debt Relief Act) when dealing with a short sale.  Fortunately for many, this debt relief has been extended until the end of 2013.

Under the United States Federal Tax Code, any debt that is forgiven is treated as debt discharge income . As such, short sales with a deficiency balance could be counted as income on the difference between the mortgage balance and the sale price.

EX: If a person has a $200,000 mortgage balance, and short sold their home for $150,000, the deficiency balance is $50,000. Under the original Tax Code, the  $50,000 would be reported as income and taxed.  This can cost the homeowner 2 ways:

1: In this example, tax on $50,000 of income can rack up to thousands of dollars.

2: An extra $50,000 of income…

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How To Improve Your Credit Score And Avoid Mistakes

Great help!

CBS Denver

DENVER (CBS4) – CBS4’s Gloria Neal has been looking into how you can improve your credit score and avoid mistakes during Consumer Protection Week.

There are more mistakes on credit reports than you may think. It’s estimated that 80 percent of credit reports have at least one mistake on them.

Here are some tips to improve your credit score:

– Reduce the amount of debt you owe. Use your credit report to make a list of all of your accounts and determine how much you owe on each account and what interest rate they are charging you.
– Keep balances low on credit cards and other “revolving credit” high, outstanding debt can affect a credit score.
– Don’t lower those balances by spreading your debt around. The most effective way to improve your credit score in this area is by paying down your credit card debt.

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How May a Short Sale Affect your Credit Score?

We offer this service also. If you are in this type of situation, please give us a call!

Kepp & Associates

Have you been thinking about short selling your home, but are worried about how this may affect your credit rating? If so, you are not unlike many of my clients who have asked me this very question. Check out what my credit repair partners have to say about it. If you have any other questions about credit repair, please feel free to contact me of check back as I will be posting other credit repair information in the near future.

Credit Resoration

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A Comparison: 15 year vs 30 year Mortgage

Great tips!

Realtor KJ



Did you know that home buyers receive a lower interest rate and ultimately pay less for a property with a 15 year term mortgage? As interest rates are increasing, buyers are still looking for ways to take advantage of this low interest rate market.  By speaking to a mortgage lender, buyers can discuss different options for purchasing a home.  Buyers may be hesitant that they cannot afford the higher monthly payments, but they can have the home paid in full within 15 years.  Imagine life without a mortgage? Pretty wonderful! This is also a great investment for the future, even for your children’s future.

Here is a side by side comparison on what the figures of a fixed 15 versus 30 year mortgage.
Microsoft Word - 15 year mortgage rate Vs 30 year_SH

Chart from CAR.org.

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Don’t be the 81% – Checking Your Credit Report and Score Can Help Your Bottom Line

Great information!

GreenPath Financial Wellness Blog

creditscoreAs New Year’s resolutions to get your personal finances into better shape fade away, here are two reminders of just how important your credit scores and credit reports are to your bottom line.

Credit score can affect auto rates

Kiplinger’s Personal Finance magazine recently listed five things that can hike your auto premiums. Their first tip was how auto insurance companies have a new found theory that people with low credit scores are more likely to get into accidents, leading them to charge higher premiums. (Kiplinger’s pointed out that a few states, like California, don’t permit insurers to use credit scores when setting rates.)

Don’t Ignore Your Credit Report

Over at Consumer Reports magazine, an article outlining seven money stumbles to avoid, discusses the importance of not ignoring your credit report.

Citing identity theft as a growing trend, the magazine stresses the importance of reviewing your credit report on a…

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Will Peer to Peer Lending Get You Out of Debt?

Has any of you tried any of these methods?

Information About Debt Relief

If you want to use debt consolidation loans as your debt relief option, you have several choices before you. One of the rising option is called peer to peer lending.

Also referred to as P2P lending, this allows debtors to apply for a loan despite the lack of the qualifications that traditional lending companies usually require. For instance, a collateral is usually not required to get a low interest on the loan. This debt consolidation loan option is gaining popularity because of the simple and effective way for one to get a loan approval. This is a dream arrangement for anyone who need the funds to get themselves out of debt.

Will Peer to Peer Lending Get You Out of DebtThe whole premise of this loan arrangement is community based lending. Much like in social networking, this type of lending is done between individuals and not with a bank or company. It is a great venue for people to…

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