Chris Ferguson, Senior Loan Officer NMLS #1433920

10/14/2026

🏡 Saved for your down payment? That’s a great start, but there’s more to the closing-day picture.

Your cash to close generally includes your down payment and closing costs, minus deposits you’ve already paid and applicable credits, plus other adjustments.

Closing costs can include lender and title fees, prepaid insurance, and funds to establish your escrow account.

Knowing these numbers early helps you plan with confidence.

Contact me and let’s review what you may need before you start shopping!

Chris Ferguson, Sr Mortgage Officer
Crown Mortgage
M: 816-786-6570
[email protected]
3637 Main St., KCMO 64111
www.crownkc.com

10/12/2026

🏡 Is that online mortgage estimate showing you the whole picture?

Some calculators show only principal and interest. Property taxes, homeowners insurance, and any applicable mortgage insurance also affect your monthly costs. HOA dues may be a separate expense, too.

Before you fall in love with a home, let’s look at what it could actually mean for your budget.

📲 Contact me and let’s walk through the numbers together.

Chris Ferguson, Sr Mortgage Officer
Crown Mortgage
M: 816-786-6570
[email protected]
3637 Main St., KCMO 64111
www.crownkc.com

10/09/2026

🍿🎃 A movie under the stars, fall festivals and plenty of local fun - KC has your weekend covered!

Here are a few things happening October 9–11:

🎬 Movie in the Park: The Goonies
Friday, Oct. 9 | Listowel Park, Shawnee
Free popcorn starts at 6:35 p.m., and the movie begins around 7:05 p.m. Bring your blankets and lawn chairs—admission is free!

🍂 Waldo Fall Festival
Saturday, Oct. 10 | 10 a.m.–5 p.m.
Gregory & Wornall, Kansas City
Enjoy live music, food trucks, local vendors and kids’ activities at this free neighborhood festival.

🎃 Pumpkin Festival & Block Party
Saturday, Oct. 10 | 8 a.m.–noon
Historic Downtown Liberty Square
Explore the pumpkin patch, shop the farmers market and enjoy free family activities, including face painting and a puppet show!

🏰🐾 Kansas City Renaissance Festival: Barktoberfest
Saturday & Sunday, Oct. 10–11 | 10 a.m.–7 p.m.
Bonner Springs, KS
Enjoy Renaissance entertainment, artisan shopping and extra canine fun, including corgi races and a dog costume contest! Tickets required.

Which one is making your weekend list? 👇

10/07/2026

🏡 Your home search can start with a conversation.

You don’t need a home picked out—or every question answered—to reach out to me.

Maybe you’re wondering what a monthly payment could look like, what to plan for upfront, or where to begin. Those are great reasons to talk!

I’ll help you explore your financing options and understand the next steps so you can move forward with more confidence.

📲 Send me a message, and let’s talk about your homeownership goals.

Chris Ferguson, Sr Mortgage Officer
Crown Mortgage
M: 816-786-6570
[email protected]
3637 Main St., KCMO 64111
www.crownkc.com

10/05/2026

🛋️ The new couch can wait. Your home closing comes first!

It’s exciting to start picking out furniture for your new home, but before you finance that living room set, buy a car, or open a store credit card, check with your lender.

New credit applications and large credit purchases can change the financial picture your lender is reviewing. Even after pre-approval, keeping your credit steady matters.

🏡 My advice? Talk to me before making a big financial move during the mortgage process. A quick conversation can help you plan your next step with confidence.

📲 Buying soon? Let’s get you prepared!

Chris Ferguson, Sr Mortgage Officer
Crown Mortgage
M: 816-786-6570
[email protected]
3637 Main St., KCMO 64111
www.crownkc.com

10/02/2026

What’s happening around KC this weekend? 🍂

🍺 KC Oktoberfest at Crown Center — Friday, October 2, from 5–11 p.m. and Saturday, October 3, from 11 a.m.–11 p.m. KC Oktoberfest

🇯🇵 Kansas City Japan Festival at Johnson County Community College — Saturday, October 3, from 10 a.m.–6 p.m. Kansas City Japan Festival

🎨 Missouri Town Fall Festival in Lee’s Summit — Saturday and Sunday, October 3–4, from 10 a.m.–5 p.m. Visit KC

🏰 Kansas City Renaissance Festival in Bonner Springs - open Saturday and Sunday.

Which one would you pick? I’m always looking for another reason to get out and enjoy KC.

09/30/2026

🍂 It’s the last day of September. What could this season look like for you?

If buying a home is on your mind this fall, now is a good time to find out where you stand. We can talk through your budget, loan options, and what a comfortable monthly payment might look like.

You don’t need to have everything figured out before reaching out. Send me a message, and let’s start with a conversation.

Chris Ferguson, Sr Mortgage Officer
Crown Mortgage
M: 816-786-6570
[email protected]
3637 Main St., KCMO 64111
www.crownkc.com

09/28/2026

🚗 Will paying off my car help me qualify for a home loan?

It might. Your car payment can affect your debt-to-income ratio, so paying off the loan could change the numbers. But using that cash may leave you with less for your down payment, closing costs, and savings.

Before you make a payoff, let’s run the numbers together. I can help you see whether it would make a difference for your loan.

Chris Ferguson, Sr Mortgage Officer
Crown Mortgage
M: 816-786-6570
[email protected]
3637 Main St., KCMO 64111
www.crownkc.com

09/25/2026

09/23/2026

🏡 Interest Rate vs. APR: What’s the Difference?

Your mortgage interest rate tells you the cost of borrowing the money—but it doesn’t show every expense connected to the loan.

The APR provides a broader view by including the interest rate plus certain points, lender fees, broker fees, and other charges. That’s why the APR is typically higher than the interest rate.

When comparing mortgage options, don’t focus on one number alone. Review the interest rate, APR, fees, monthly payment, and total loan terms to understand which option makes the most sense for you.

Have questions about a Loan Estimate? Let’s review the numbers together.

Chris Ferguson, Sr Mortgage Officer
Crown Mortgage
M: 816-786-6570
[email protected]
3637 Main St., KCMO 64111
www.crownkc.com