From understanding your options to closing day, I'll guide you through the entire process with clear communication and personalized service. Whether you're buying your first home, upgrading, or refinancing, let's make it simple.
Kelly Bergman | NMLS #1786042
✓ Free consultation · ✓ No pressure · ✓ Personalized guidance
A clear, supportive process from conversation to closing
We'll talk through your goals, timeline, and what you're hoping to achieve. This is a relaxed conversation to understand where you are and where you want to go.
I'll help you understand what documentation you'll need and walk you through getting everything in order. No rush, just clear guidance on what matters.
Together, we'll review the loan programs that fit your situation and clarify what you can comfortably afford. You'll know exactly where you stand.
When you're ready, I'll guide you through the entire process from application to closing. You'll have clarity and support at every stage.
Real experiences from homebuyers who worked with Kelly
Flexible financing options to match your situation and goals.
Traditional financing with competitive rates and flexible terms. Ideal for buyers with strong credit and stable income.
Government backed loans with lower down payment requirements. A great option for first time buyers or those rebuilding credit.
Exclusive benefit for veterans and active military. Often requires no down payment and offers competitive terms.
Lower your rate, adjust your term, or tap into equity. We'll help you determine if refinancing makes sense for your situation.
Specialized guidance for your first purchase. We'll walk you through every step and explore programs designed for new buyers.
Estimate your monthly payment and see how different factors affect your budget.
This calculator provides estimates only. Actual payments may vary based on your specific situation, lender requirements, and additional fees.
I'll email you this estimate and we can schedule a Discovery Call to explore your options, no pressure, just clarity.
Let's talk through your situation in a quick Discovery Call. We'll review your goals, clarify your options, and map out the best next steps, no pressure, just clear guidance.
✓ No credit check for consultation · ✓ Free guidance · ✓ No obligation
It depends on the loan program. Conventional loans often require 3-5% down, FHA loans typically 3.5%, and VA loans may require no down payment. We'll help you understand what's possible based on your situation.
Generally, you'll need recent pay stubs, tax returns, bank statements, and identification. I'll provide a complete checklist once we discuss your specific loan type.
From application to closing, most loans take 30 to 45 days. The timeline can vary based on loan type, documentation, and market conditions. I'll walk you through realistic expectations during our Discovery Call so you know what to plan for.
Absolutely. Pre-qualification helps you understand your budget and shows sellers you're a serious buyer. It's a smart first step.
Pre-qualification gives you a rough estimate based on basic information you provide. Pre-approval involves a more thorough review of your financial picture and documentation. Both help you understand your budget, and we'll discuss which makes sense during your Discovery Call based on where you are in the process.
Refinancing your mortgage can offer significant benefits, but it is essential to evaluate your specific circumstances and financial goals.
To help you make an informed decision, I will run a detailed break even analysis tailored to your situation. This analysis calculates how long it will take for the savings from a lower interest rate to offset the costs of refinancing.
By understanding your break even point, you can make a more confident choice about whether refinancing is the right move for you. If you have any questions or would like to get started on this analysis, feel free to reach out.
Texas has no state income tax, but property taxes are higher than many states (typically 1.5% to 2.5% of home value annually). Your monthly mortgage payment includes property taxes divided into 12 monthly payments held in escrow. I'll help you understand the exact tax burden for any home you're considering.
DFW has a range of markets from affordable suburbs to premium areas. With the right loan program and down payment strategy, homeownership is more accessible than you might think. I'll review your budget and show you what's realistic. Many first time buyers are surprised by what they qualify for.
Texas buyers benefit from no state income tax, which can improve your debt-to-income ratio. However, property taxes and homeowner's insurance (especially wind/hail coverage) are higher. I work with many relocating clients and can walk you through Texas-specific considerations, from MUD districts to HOA fees, so there are no surprises.
Start with a free Discovery Call. I'll answer your questions, explain your options, and help you understand exactly where you stand with zero pressure and complete clarity.
