Kristie Shore, Certified Mortgage Advisor

Kristie Shore, Certified Mortgage Advisor NMLS #1489409. Fulton Mortgage Company. Member FDIC. Equal Housing Lender.

Mortgage Loan Officer & Certified Mortgage Advisor™
Whether buying, building, or refinancing, I’m here to help you achieve your homeownership goals.
🏠
Views are solely my own.

🏡 Getting your offer accepted is a big milestone, but there are still a few important steps before you get the keys.Unde...
09/26/2026

🏡 Getting your offer accepted is a big milestone, but there are still a few important steps before you get the keys.

Understanding what happens between an accepted offer and closing can help you know what to expect and stay on top of key deadlines. From the home inspection and appraisal to final loan approval, each step helps move you closer to homeownership. 🔑

I’m here to help guide you through the financing side of the process, answer questions along the way, and help keep everything moving toward closing.

Have questions? I’m happy to help.

In a unanimous vote, the Fed raised its benchmark rate by 0.25% to a target range of 3.75%–4%, citing elevated inflation...
09/24/2026

In a unanimous vote, the Fed raised its benchmark rate by 0.25% to a target range of 3.75%–4%, citing elevated inflation. The Fed Funds Rate is the overnight borrowing rate for banks and is not the same as mortgage rates. The Fed’s latest projections also showed that 16 of 18 officials expect at least one more quarter-point hike this year; Chair Kevin Warsh did not submit a projection.

🏡 A home may look perfect during a showing, but there’s a lot you can’t see just by walking through it.A professional ho...
09/23/2026

🏡 A home may look perfect during a showing, but there’s a lot you can’t see just by walking through it.

A professional home inspection can provide valuable insight into the property’s condition and help you better understand what you’re buying. It can also help you anticipate future maintenance and repair costs. 🔍

Taking the time to understand a home’s condition before you buy can help you feel more informed and confident in your decision.

What Will Your Budget Look Like WITH a House? 🏡Homeownership brings expenses that renting may not, like water/sewer, ele...
09/23/2026

What Will Your Budget Look Like WITH a House? 🏡

Homeownership brings expenses that renting may not, like water/sewer, electricity, maintenance and repairs, HOA fees, and other costs.

Before you buy, create a second version of your budget based on what life with the house may actually cost.

"I make good money, so why does my DTI say otherwise?" Let's break it down. Debt-to-income isn't about how much you make...
09/21/2026

"I make good money, so why does my DTI say otherwise?" Let's break it down.

Debt-to-income isn't about how much you make. It's about how much of what you make is already spoken for. A car payment, student loans, credit cards, even a co-signed loan — all of it gets weighed against your income, not just the income on its own. That's why two people with the same salary can qualify for very different amounts. It's not about earning more. It's about what's already committed.

The good news: DTI isn't fixed. Depending on your situation, there may be ways to improve it before you apply, not after you're denied. DM me READY and let's look at your actual numbers, not just your income.

Credit Score Reality CheckDid you stop checking your credit score because you were scared of what it would say? That fea...
09/20/2026

Credit Score Reality Check
Did you stop checking your credit score because you were scared of what it would say? That fear is more common than you'd think, and it usually does more harm than the number itself. Not knowing where you stand doesn't protect you from it — it just delays the moment you find out, usually at a worse time than if you'd checked on your own terms. The truth is, most credit pictures aren't as bad as people imagine, and even when there's work to do, there's almost always a path forward. You just can't build that path from not knowing. Checking isn't a commitment to anything. It's just information. DM me READY and let's look at it together, no judgment, just a starting point.

Did a bad experience with one lender convince you the whole process wasn't for you? One bad experience can feel like pro...
09/19/2026

Did a bad experience with one lender convince you the whole process wasn't for you? One bad experience can feel like proof. A denial that wasn't explained. A rate that changed without warning. A process that felt confusing on purpose. It's easy to walk away thinking that's just how it goes. But one lender isn't the whole process. Different lenders look at files differently, offer different programs, and communicate in very different ways. What felt like a dead end with one might be a completely different conversation with someone else. If it's been a while since you looked into it, it might be worth one more conversation before deciding it's not possible. DM me READY and let's see what a different approach looks like for you.

Losing the bidding war stings for a week. Winning it on numbers you never really looked at stings for years. In a compet...
09/18/2026

Losing the bidding war stings for a week.
Winning it on numbers you never really looked at stings for years.

In a competitive market, it's tempting to focus on one thing: winning the offer. But winning isn't the finish line. Living with the payment is. I've seen buyers get so focused on beating out other offers that they never stopped to ask if the number they were bidding still felt comfortable a year later. Losing that house stings for a bit, then fades. Being stretched thin by a house you technically won doesn't fade the same way. Before you compete for a house, I want you to know your real number, not just your approved one. That way, if you win, you win on your terms. DM me READY and let's make sure the numbers are right before the bidding starts.

Before You Set a Home Budget, Know Where Your Money Goes Now 💰A realistic homebuying plan starts with understanding your...
09/16/2026

Before You Set a Home Budget, Know Where Your Money Goes Now 💰

A realistic homebuying plan starts with understanding your actual income and all three categories of expenses: fixed expenses, flexible expenses, and debt.

Address

Williamsburg, VA

Telephone

+18043561128

Website

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