I'm Kathy. Your local Loan Officer.

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Prequalify Now
img
Kathy Quinn-Carite

Loan Officer

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Prequalify Now

About Kathy.

I graduated from the University of Miami with a Bachelor of Arts degree in Business Administration, and later completed my MBA in Business Administration at the University of Connecticut. My extensive career in mortgage lending and financial services includes roles as an Originator, Sales Manager, Branch Manager, State Manager, Area Manager and most recently Divisional Manager. With more than forty years of mortgage finance and management experience, I have the knowledge and expertise to help each of my customers structure the optimal home loan. I pride myself on taking the time needed to understand my customer’s immediate and long term goals, and I work hard to find the best solution to achieve their objectives. Helping my clients understand the home buying and refinancing process is my ultimate goal. I am married to my husband, Mark, and have two children, Kyle and Carly. I reside in Greentown Pa. When away from work, I am a professional ski instructor an avid golfer and boater. I am federally chartered for the entire United States.

What's the best loan for my situation?

The answers to all your mortgage questions...

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

img

No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.