The Koehn Mortgage Group

The Koehn Mortgage Group Need a home loan? We treat every customer as we would want to be treated. We service ALL of Texas.

At The Koehn Mortgage Group, we put God first and we run our business the way we have run our family all of these years, which is by "The Golden Rule", Luke 6:31 "Do unto others as you would have them do unto you". We treat every customer as an individual, not a number and we don't place you into a loan profile, created by the banking industry. We use "common sense" and will help you obtain the be

st loan possible, for your particular situation. We have a wide range of programs and together we'll find the loan that's best suited for you. Conventional, FHA, VA and USDA financing are all available options and being in business since 1998, we have the experience to help you find the loan that benefits you the most. Call today, homeownership for you and your family is just around the block!!! Equal Housing Opportunity

Kristine Koehn - NMLS # 222402
Rick Koehn - NMLS # 220399
Alan Cooper - NMLS # 1912420
Ben Holder - NMLS # 2325810

The Koehn Mortgage Group is Powered by Preferred Rate
Preferred Rates is Partnered with American Pacific Mortgage
NMLS # 1850

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV
Licensed in Texas

Your mortgage is probably the biggest monthly expense you have. And most people never look for ways to lower it after th...
06/16/2026

Your mortgage is probably the biggest monthly expense you have. And most people never look for ways to lower it after they sign.

Here are 8 ways to save real money, whether you bought 2 years ago or 2 months ago.

1. Make one extra payment a year
Even one extra payment can cut years off your loan and save tens of thousands in interest over time.

2. Round up your payment
Adding even $50 to $100 a month chips away at your principal faster without feeling like a big change.

3. Switch to biweekly payments
26 half payments a year equals 13 full payments instead of 12. One extra payment, automatically.

4. Remove PMI as soon as you qualify
Once you hit 20% equity, you can request to have PMI removed. A lot of people forget to do this and keep paying for years longer than they need to.

5. Refinance when it makes sense
If rates have dropped or your credit has improved significantly, refinancing could lower your monthly payment. It is worth running the numbers.

6. Reassess your escrow account
Property tax and insurance estimates can be off. If your escrow is overestimating, you may be able to adjust it.

7. Recast your loan
If you get a windfall, a bonus, an inheritance, a large gift, recasting lets you put that money toward your principal and lowers your monthly payment without a full refinance.

8. Shop your renewal or refinance instead of just signing
Your current lender is not always your best option. Running your numbers by us costs nothing and could save you hundreds a month.

Save this post. Most of these take 10 minutes and could save you thousands.

Want us to look at which of these apply to you? DM us and we will walk through it together.

Ben Holder | NMLS # 2325810
Kristine King | NMLS # 222402
The Koehn Mortgage Group, Powered by Coast2Coast Mortgage | NMLS # 376205
Equal Housing Lender 🏠

06/15/2026

A shorter loan term sounds great until life happens. 🏠

There is a way to get the flexibility of a 30 year mortgage and still pay it off years early, on your terms. Watch to see how.

Questions about your mortgage? Message us or call 254-405-6690.



Ben Holder | NMLS # 2325810
Kristine King | NMLS # 222402
The Koehn Mortgage Group, Powered by Coast2Coast Mortgage | NMLS # 376205
Equal Housing Lender 🏠

Everyone talks about the down payment. Nobody talks about the rest. Here are things that catch first time buyers complet...
06/12/2026

Everyone talks about the down payment. Nobody talks about the rest.

Here are things that catch first time buyers completely off guard.

1. Closing costs are separate from your down payment
Most people do not realise they need an additional 2 to 5% of the purchase price on top of their down payment just to close. On a $300,000 home that is another $6,000 to $15,000.

2. Your rate can change before closing
If you do not lock your rate in writing after pre-approval, it can move on you. Always ask about a rate lock.

3. The inspection is not the appraisal
These are two completely different things. The inspection tells you what is wrong with the house. The appraisal tells the lender what it is worth. You need both.

4. You will need cash reserves
Some loan programs require you to show that you still have money left in the bank after closing. Not just enough to close but enough to cover a few months of payments.

5. Your debt to income ratio matters more than your income
It is not just about how much you earn. It is about how much of your income is already going out the door every month. Two buyers with the same salary can qualify for very different amounts.

6. Pre-approval is not the same as final approval
Pre-approval gets you in the door. Final approval happens after the full underwriting process. Do not make any big financial moves between pre-approval and closing.

Save this post. You will thank yourself later.

Have questions about any of these? DM us anytime.

Ben Holder | NMLS # 2325810
Kristine King | NMLS # 222402
The Koehn Mortgage Group, Powered by Coast2Coast Mortgage | NMLS # 376205
Equal Housing Lender

Throwback.These faces might be from years ago but the mission has never changed. Help families get into homes they love,...
06/11/2026

Throwback.

These faces might be from years ago but the mission has never changed. Help families get into homes they love, treat every single one like they are the only client we have, and do right by people no matter what.

We were doing it then. We are doing it now.

If you want to be our next success story, we would love to hear from you.

DM us or visit thekmortgagegroup.com to get started.



Ben Holder | NMLS # 2325810
Kristine King | NMLS # 222402
The Koehn Mortgage Group, Powered by Coast2Coast Mortgage | NMLS # 376205
Equal Housing Lender 🏠

06/10/2026

Did you know that property taxes can have a significant impact on your monthly mortgage payment?

Many homebuyers focus on the purchase price and interest rate, but property taxes are another important factor to consider. In Texas, property taxes are assessed annually and can affect the amount you pay each month if your taxes and insurance are escrowed into your mortgage payment.

While Texas law generally limits annual increases in assessed value for homesteaded properties, it's still important to understand how property taxes fit into your overall housing budget before purchasing a home.

Thinking about buying a home? Make sure you're looking at the full picture, not just the mortgage amount.

🎥 Credit: Billy Killingsworth

We have been doing this since 1995 and the mission has always been the same.Take care of people. Do right by them. And t...
06/09/2026

We have been doing this since 1995 and the mission has always been the same.

Take care of people. Do right by them. And trust that the results will speak for themselves.

This review is from 2019 but the experience they describe? That is the same experience every single client gets today. Nothing has changed except the number of families we have been able to help.

If you are thinking about buying, refinancing, or just want to know where you stand, reach out. We would love the chance to earn a review like these from you too.

📩 DM us or visit thekmortgagegroup.com to get started.

06/08/2026

Waiting to save up a down payment? Watch this first.

I broke down exactly why in this video. Watch before you spend another month renting.

DM us or visit thekmortgagegroup.com to find out what you qualify for.

Ben Holder | NMLS # 2325810
Kristine King | NMLS # 222402
The Koehn Mortgage Group, Powered by Coast2Coast Mortgage | NMLS # 376205
Equal Housing Lender 🏠

06/07/2026

Waiting to save up a down payment? Watch this first.

I broke down exactly why in this video. Watch before you spend another month renting.

DM us or visit thekmortgagegroup.com to find out what you qualify for.



Ben Holder | NMLS # 2325810
Kristine King | NMLS # 222402
The Koehn Mortgage Group, Powered by Coast2Coast Mortgage | NMLS # 376205
Equal Housing Lender 🏠

05/30/2026

Same house. Same price. Two very different monthly payments.

Here is why.

Two buyers apply for a $300,000 mortgage. Same home. Same lender. The only difference is their credit score.

Buyer A has a 620 credit score. Their rate comes in at 7.8%. Monthly payment: around $2,150.

Buyer B has a 740 credit score. Their rate comes in at 6.9%. Monthly payment: around $1,980.

That is $170 less every single month. $2,040 less every year. Over $61,000 less over the life of the loan.

Same house. Just a different number.

Your credit score is not just a number on a report. It is a number that decides how much homeownership actually costs you. And the good news is it is a number you can change.

If your score is not where you want it to be right now, DM us. We will tell you exactly what to work on and how long it will realistically take to move the needle.

What is your credit score range right now? No judgment, just drop it in the comments and let us help.

Ben Holder | NMLS # 2325810
Kristine King | NMLS # 222402
The Koehn Mortgage Group, Powered by Coast2Coast Mortgage | NMLS # 376205
Equal Housing Lender 🏠

Address

1600 Lake Air Drive
Waco, TX
76710

Website

,

Alerts

Be the first to know and let us send you an email when The Koehn Mortgage Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share