With over 14 years of experience in the mortgage industry, Kim brings a wealth of knowledge and expertise to help clients achieve their homeownership goals. Holding a Master’s degree in Education, she is passionate about empowering buyers through education and guidance.
Having spent the first seven years of her career assisting Loan Officers, Kim gained invaluable insights into the mortgage process. For the past seven years, she has been dedicated to serving as a Loan Officer and now as a Sr. Loan Officer, specializing in both first-time homebuyers and reverse mortgages. This dual focus reflects Kim’s commitment to supporting clients at various stages of their homeownership journey.
Kim takes pride in meeting with clients face-to-face to provide comprehensive consultations. This personal touch ensures that clients are not only fully educated about the mortgage process but also thoroughly pre-approved, giving them confidence as they embark on their home search.
Driven by a mission to help clients make informed decisions and build generational wealth, Kim is dedicated to making the dream of homeownership a reality for many. Whether you’re a first-time buyer, a move up buyer, buying an investment property or exploring reverse mortgage options, The Gelbke Team is here to guide you every step of the way.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
