Kim Bontempo - Mortgage Advisor NMLS #363656

Kim Bontempo - Mortgage Advisor NMLS #363656 Kim Bontempo is a seasoned Mortgage Loan Originator in Palm Coast, FL, with over 20 years of experience helping clients achieve their homeownership goals.

She delivers expert guidance and a client-first, personalized approach to every transaction. I educate potential homebuyers as well as homeowners looking to refinance to better understand their mortgage options so that they can make the right financial decisions for their specific situations.

09/26/2026
09/26/2026
09/19/2026

Circumstances may shape the journey, but they don’t have to define the destination. Progress begins with believing there’s still a way forward.

09/19/2026

An appraisal that comes in below the purchase price can be stressful, but it doesn’t necessarily mean you have to walk away from the home. The appraisal helps the lender determine whether the property’s value supports the loan amount. If the value comes in lower than expected, there may be several paths forward, including renegotiating the purchase price or reviewing other financing options.

The best approach depends on the appraisal, your loan, and the terms of your purchase contract. Your real estate and mortgage professionals can help you understand your options and decide what makes sense.

Address

4869 Palm Coast Pkwy NE Unit 2
Palm Coast, FL
32137

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

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