The Kim E. Minor Team - NMLS #2342815

06/16/2026

📋 𝐀 𝐃𝐚𝐲 𝐢𝐧 𝐭𝐡𝐞 𝐋𝐢𝐟𝐞 𝐨𝐟 𝐚 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫

People think my job is simple: pull credit, check income, push the loan through. If only.

Some of the most qualified buyers I work with have high income, solid savings, and real commitment — they hit obstacles that have nothing to do with how responsible they are. My job is to see them coming and clear the path.

A real example from this week (details changed for privacy):

Strong buyer, ready to purchase. Then we pull credit and find a fraudulent credit card opened in their name — identity theft. They'd had a freeze in place, but it lapsed, and that's all it took.

That kind of fraudulent debt can spike a debt-to-income ratio, drag down a score, and put the best rates out of reach — or threaten the deal entirely. But here's what most people don't know: it doesn't have to take months to fix. 👇

✅ File a police report + FTC Identity Theft Report (IdentityTheft.gov)

✅ Demand a block of the fraudulent account — bureaus must act within 4 business days (federal law, not a regular dispute)

✅ Order a rapid rescore once it clears — requalify in days, not months

✅ Re-freeze all three bureaus and document it this time

𝐇𝐞𝐫𝐞'𝐬 𝐰𝐡𝐚𝐭 𝐦𝐚𝐤𝐞𝐬 𝐭𝐡𝐞 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞: 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞.

It's like choosing a doctor. When something's wrong, you don't want someone still reading from the textbook — you want the seasoned physician who's seen it a hundred times and already knows what to order. After 20+ years, I've seen identity theft, self-employed income puzzles, appraisal gaps, and credit surprises. When an obstacle shows up that would stop a newer advisor cold, I already know the playbook and the fastest path through it.

This buyer didn't do anything wrong, and they shouldn't lose their dream home over someone else's crime. With the right advocate, they won't. 💪

📞 Dealing with something that's complicating your home-buying journey? Let's talk at 301-537-8263. There's almost always a way forward.
https://www.identitytheft.gov/

Report identity theft and get a recovery plan

06/09/2026

𝐍𝐨𝐭 𝐞𝐯𝐞𝐫𝐲 𝐛𝐨𝐫𝐫𝐨𝐰𝐞𝐫 𝐟𝐢𝐭𝐬 𝐭𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐥𝐞𝐧𝐝𝐢𝐧𝐠 𝐠𝐮𝐢𝐝𝐞𝐥𝐢𝐧𝐞𝐬, 𝐚𝐧𝐝 𝐭𝐡𝐚𝐭'𝐬 𝐨𝐤𝐚𝐲.

PRMI offers flexible financing options for self-employed borrowers, investors, ITIN clients, foreign nationals, and more!

👉 Loan Options Include:
✅ ITIN Loans
✅ DSCR Investor Loans
✅ P&L Only Programs
✅ 1099 Loans
✅ Asset Qualifier
✅ Jumbo & Bank Statement Loans
✅ Foreign National Financing
✅ Closed-End Seconds
✅ HELOC Loans

🏡 More ways to say 𝐘𝐄𝐒 this summer. Reach out to me at 📲 𝟑𝟎𝟏-𝟓𝟑𝟕-𝟖𝟐𝟔𝟑 to explore your options!

06/08/2026

Getting ready to apply for a mortgage?

One of the first steps is understanding your credit score—and gathering the documents that help paint a clear financial picture. 📝 From your ID to proof of income, being prepared can help speed up the process and avoid surprises.
I’m here to walk you through every step and make financing your home as smooth as possible. Have questions?

Let’s connect! 💬

06/04/2026

🏡 𝐉𝐮𝐧𝐞 𝐢𝐬 𝐍𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐌𝐨𝐧𝐭𝐡 — 𝐚𝐧𝐝 𝐈'𝐦 𝐡𝐞𝐫𝐞 𝐟𝐨𝐫 𝐢𝐭!s

Every June, we celebrate one of the most powerful wealth-building tools available to everyday Americans: homeownership.

This isn't just about having a place to hang your hat. It's about: ✅ Building generational wealth ✅ Creating stability for your family ✅ Strengthening your community ✅ Turning a monthly payment into equity you own

Since 2002, the entire month of June has been dedicated to shining a light on the dream of homeownership — and the real pathways that exist to get there.

Whether you're a first-time buyer who thinks you "don't qualify," a renter who's tired of paying someone else's mortgage, or an investor ready to grow your portfolio — 𝐭𝐡𝐢𝐬 𝐦𝐨𝐧𝐭𝐡 𝐢𝐬 𝐟𝐨𝐫 𝐘𝐎𝐔.

I've spent 20+ years helping people in MD, DC, VA, NC, GA, DE, and TX turn that dream into a deed. And I'm not done yet. 💪🏾

📲 Let's talk about what it takes to get YOU into a home. 📞 301-537-8263 📧 [email protected]

🔗 Kim E. Minor | NMLS #977129 | PRMI NMLS #3094 Licensed in MD • DC • VA • NC • GA • DE • TX

05/15/2026

𝐓𝐆𝐈𝐅 𝐌𝐚𝐫𝐤𝐞𝐭 𝐔𝐩𝐝𝐚𝐭𝐞! 🏠📊

Happy Friday, everyone! Let's talk about what's happening in the mortgage and bond markets — because it's A LOT.

🔹 New Fed Chair Kevin Warsh officially started today, and the bond market is already testing him. Yields are rising, and all eyes are on whether he'll take a tough stance on inflation. If he does, it could actually help long-term rates come down over time — but the short-term road may be bumpy.

🔹 Oil prices are surging due to tensions in the Strait of Hormuz, and that's fueling inflation fears. Hotter-than-expected CPI and PPI reports this week only added to the pressure. When inflation runs hot, mortgage rates feel the heat too.

🔹 Global yields are soaring — the UK, Japan, and Germany are all at multi-year highs. Japan's 10-year yield hasn't been this high since 1997! Our own 10-year Treasury is pushing past key resistance levels, which signals rates could stay elevated for a while.

𝐒𝐨,𝐰𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐭𝐡𝐢𝐬 𝐦𝐞𝐚𝐧 𝐟𝐨𝐫 𝐲𝐨𝐮?

If you've been sitting on the sidelines waiting for rates to drop, this is your reminder that the market doesn't always cooperate with our timelines. Rates are driven by factors happening around the globe — from oil prices to geopolitics to Fed policy.

The best time to make a move is when YOU are ready. And when you are, I'm here to help you navigate every option — from conventional to Non-QM products for self-employed borrowers and investors.

Don't let the headlines scare you out of building wealth through homeownership. Let's talk strategy. 💪🏡

📞 𝟑𝟎𝟏-𝟓𝟑𝟕-𝟖𝟐𝟔𝟑 📧 𝐤𝐦𝐢𝐧𝐨𝐫@𝐩𝐫𝐢𝐦𝐞𝐫𝐞𝐬.𝐜𝐨𝐦 𝐊𝐢𝐦 𝐄. 𝐌𝐢𝐧𝐨𝐫 | 𝐍𝐌𝐋𝐒 #𝟗𝟕𝟕𝟏𝟐𝟗 𝐏𝐫𝐢𝐦𝐚𝐫𝐲 𝐑𝐞𝐬𝐢𝐝𝐞𝐧𝐭𝐢𝐚𝐥 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞, 𝐈𝐧𝐜. | 𝐍𝐌𝐋𝐒 #3094

05/08/2026

In honor of Homeownership Month, the Maryland Mortgage Program has teamed up with CFG Bank Arena to sponsor a concert ticket giveaway.

Upgrade to 2 Premium Tickets to New Edition at CFG Bank Arena! CFG Bank Arena and CFG Bank are thrilled to offer one lucky attendee two (2) upgraded tickets at […]

05/07/2026

𝐇𝐚𝐩𝐩𝐲 𝐓𝐡𝐮𝐫𝐬𝐝𝐚𝐲!

Dow is searching for direction. Mortgage bonds are pushing higher. Oil sliding on peace deal optimism. Let's get into it.

• 𝐈𝐫𝐚𝐧 𝐩𝐞𝐚𝐜𝐞 𝐝𝐞𝐚𝐥 𝐢𝐬 𝐭𝐡𝐞 𝐬𝐭𝐨𝐫𝐲. Markets are laser-focused on whether Iran responds to the U.S. 14-point proposal. Trump says talks have gone very well. Stocks hit all-time highs and bonds are up on the optimism — but direction hinges on today's headlines

• 𝐉𝐨𝐛𝐥𝐞𝐬𝐬 𝐂𝐥𝐚𝐢𝐦𝐬 𝐭𝐢𝐜𝐤𝐞𝐝 𝐮𝐩 10K to 200K — still historically low but understated thanks to the gig economy. Continuing claims steady at 1.77M

• 𝐏𝐫𝐢𝐯𝐚𝐭𝐞 𝐩𝐚𝐲𝐫𝐨𝐥𝐥 𝐝𝐚𝐭𝐚 𝐢𝐬 𝐦𝐢𝐱𝐞𝐝. Revelio Labs showed 66K jobs created in April — highest since last June, signaling a possible bottoming out. But Challenger reported 83K job cuts (up 38% from March), with AI as the top reason. Hiring plans? Only 10K in April, down 38% YoY. The labor market is resilient but not robust

• 𝐀𝐥𝐥 𝐞𝐲𝐞𝐬 𝐨𝐧 𝐭𝐨𝐦𝐨𝐫𝐫𝐨𝐰: BLS Non-Farm Payrolls. Market expects 60K jobs, unemployment holding at 4.3%. Take it with a grain of salt — the BLS has lost credibility with revisions and unreliable figures, and the market knows it. The real mover will be Iran

• 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐛𝐨𝐧𝐝𝐬 are testing resistance at the 25 and 50-day Moving Averages — nearby support at 100.61. The 10-year is at 4.33% support with the 25-day MA; if that breaks, next stop is the 50-day at 4.27%. Stochastics look favorable if bonds can close higher today

Stay locked in — tomorrow's payroll number drops, and the Iran situation could shift everything.

05/01/2026

🏠 𝐁𝐚𝐥𝐭𝐢𝐦𝐨𝐫𝐞, 𝐖𝐞'𝐯𝐞 𝐆𝐨𝐭 𝐘𝐨𝐮 𝐂𝐨𝐯𝐞𝐫𝐞𝐝!
We're offering 𝐁𝐚𝐧𝐤 𝐒𝐭𝐚𝐭𝐞𝐦𝐞𝐧𝐭 𝐚𝐧𝐝 𝐃𝐒𝐂𝐑 𝐥𝐨𝐚𝐧𝐬 right here in Baltimore City and across the entire state of Maryland.

🔹 Self-employed? Bank Statement loans let your deposits tell your income story — no tax returns required.
🔹 Real estate investor? DSCR loans qualify based on the property's rental income, not yours.

No income documentation headaches. No unnecessary hoops. Just smart lending solutions designed for entrepreneurs and investors who don't fit the traditional box.

Let's talk about how to make your next move. 📞 301-537-8263 📧 [email protected]

Kim E. Minor | NMLS #977129 Primary Residential Mortgage, Inc. | NMLS #3094

04/25/2026

𝐁𝐮𝐲𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞? 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐝𝐫𝐞𝐚𝐦 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐡𝐨𝐦𝐞? 𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐢𝐧 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲? 𝐑𝐞𝐧𝐨𝐯𝐚𝐭𝐢𝐧𝐠 𝐚 𝐟𝐢𝐱𝐞𝐫-𝐮𝐩𝐩𝐞𝐫?

There's no one-size-fits-all mortgage — and that's exactly why I offer over 300 loan products. Conventional, VA, FHA, USDA, Jumbo, Renovation, One-Time-Close, Reverse — and that's just the start.

Every buyer's situation is different, and my job is to find the right loan for yours.

✔ 𝐋𝐨𝐰-𝐭𝐨-𝐧𝐨 𝐝𝐨𝐰𝐧 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐨𝐩𝐭𝐢𝐨𝐧𝐬? 𝐖𝐞'𝐯𝐞 𝐠𝐨𝐭 𝐭𝐡𝐞𝐦.
✔ 𝐂𝐫𝐞𝐝𝐢𝐭 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐬? 𝐋𝐞𝐭'𝐬 𝐭𝐚𝐥𝐤.
✔ 𝐒𝐞𝐥𝐟-𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝 𝐨𝐫 𝐧𝐨𝐧-𝐭𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐢𝐧𝐜𝐨𝐦𝐞? 𝐈 𝐡𝐚𝐯𝐞 𝐩𝐫𝐨𝐠𝐫𝐚𝐦𝐬 𝐟𝐨𝐫 𝐭𝐡𝐚𝐭 𝐭𝐨𝐨.

If you or someone you know is thinking about buying, building, or refinancing, let's connect (301) 537-8263. A quick conversation could save you thousands.

04/24/2026

Mortgage rates aren’t set in isolation; they’re influenced by economic factors around the world. Conflicts, military spending, and shifts in oil prices can impact inflation and borrowing costs, which in turn can move rates up or down.

While you can’t control global events, staying informed helps you make confident decisions. I can help you understand how current market conditions may affect your homebuying options.