Buying a home is one of the biggest investments that you will make in this life and who you choose for your mortgage goes hand in hand with the story that you will tell years later about your home buying experience. There have been many industry changes, but there are a few constants that stand the test of time that customers want the BEST PRODUCT for their situation, the BEST DEAL, and the BEST EXPERIENCE while purchasing their new home.

My 27 years of experience is my #1 asset. There are 50 milestone points to a mortgage and many people who touch the file from the signing of the contract to the closing table. My experience makes me the BEST PERSON to manage those milestone points and people. I can find the solutions, and I use my creative thinking to navigate through the problems that could arise at each milestone point.

The key to my "BEST EXPERIENCE EVER" is systems, systems, and more systems.  I broke down the milestone points and created systems so many of the pieces have been deleted, they are done automatically, or they are done by only the BEST people in the city.  I uniquely understand the realtor's point of view. Realtors want to know that their buyer is going to be treated like family, the lender is going to be available every step of the way, and they want to have communication on the milestone points from the signing of the contract to the closing table.

The contract is the most important piece of the transaction because it has timelines such as how many days a borrower must make loan application, timelines to have loan approval, and timelines to close on the home. Although a mortgage company is not a party to the contract, the mortgage company is the single part of the transaction that can train wreck your file and kill the dreams of home ownership for the buyer.  I learned a long time ago to make the contract the most important piece of the file, follow all the timelines, meet all the timelines, and make sure every closing is on time, EVERY FILE, EVERY TIME!

We highlight the mortgage process with you in the beginning then we can work together on each step and make this the BEST EXPERIENCE! We will keep you updated every step of the process with email, texts, and weekly phone calls.

1. This milestone is when the borrower gathers their loan documents required for the file.  You can make an appointment to give the team the loan documents in person, email, fax or upload the documents to the secure portal.
2. This milestone is when the team and the borrower completes the loan application.
3. This milestone is when the team sends the borrower the loan application and other disclosures to sign electronically.
4. This milestone is when the borrower clicks through and electronically signs the loan application and other disclosures.  The passcode to this email will be the last 4 of your social security number.
5. This milestone is when the team sends this email with the mortgage milestones to the borrower and the realtors, so everyone is on the same page.
6. This milestone is when the team sends the borrower an email from mailer@smpmail.omnicrosoft.com to enter their credit card information to pay for the appraisal.
7. This milestone is when the team submits the file to processing - subject line “It’s Underway.”
8. This milestone is when the team orders the flood certificate for the property - if the property is in a flood zone, then the borrower will have to sign a form and purchase flood insurance.
9. This milestone is when the team orders the title work from the closing agent.
10. This milestone is when the team orders the appraisal.  The appraiser will contact the seller’s agent to make an appointment to gain access to the home.  They will compare the home to other homes that have sold in the area.
11. This milestone is when the borrower gives the team a point of contact for who they want to use for homeowner’s insurance.
12. This milestone is when the team orders the homeowners insurance from the insurance company.
13. (IF APPLICABLE) This milestone is when the team orders the condo docs.
14. (IF APPLICABLE) This milestone is when the team sends the FHA/VA addendum to realtors to get signed by all parties.
15. (IF APPLICABLE) This milestone is when the team sends the first-time homebuyer course to the borrower for the borrower to complete.
16. (IF APPLICABLE) This milestone is for the borrower to send over their current mortgage statement.
17. This milestone is when the team reviews all the documents.
18. This milestone is when the team submits your file to an underwriter for approval – subject line “We’re getting close”.
19. This milestone is when the underwriter issues a conditional approval and gives a list of what we need for the file – subject line “Conditional loan approval”.
20. This milestone is when the team reviews the list from the underwriter.
21. This milestone is when the team emails the borrower a list of the items that are required for the file.
22. This milestone is when title work is received from the closing agent.
23. This milestone is when the survey is received from the closing agent.
24. (IF VA) This milestone is when the borrower or realtor provides the team with the clear WDO and the invoice. 
25. This milestone is when the team submits the title company’s information to management for approval.
26. This milestone is when the homeowner’s insurance is received from the insurance agent.
27. This milestone is when the borrower provides a point of contact for a verification of employment.
28. This milestone is when the borrower returns the list of documents back to the team to review.
29. This milestone is when the appraisal is received from the appraiser.  We will email the borrower and the buyer’s realtor a copy.
30. (IF APPLICABLE). This milestone is when the team updates the appraised value in the file.
31. This milestone is when the team pulls the invoice for the credit report.
32. This milestone is when the team submits the file back to underwriting for review with the documents that have been received to see if anything other documents are required.
33. This milestone is when the team assigns a closer to the file.
34. This milestone is when the team requests the preliminary closing disclosure.
35. This milestone is when the team approves the preliminary closing disclosure.
36. (IF APPLICABLE) This milestone is when the team will send out the preliminary closing disclosure for the down payment assistance.
37. This milestone is when the team sends a preliminary closing disclosure to the closing agent.
38. This milestone is when the team emails the preliminary closing disclosure to the borrower.  This is not your final number, but it keeps the file moving forward.  We will also send a text at this milestone to the realtors. 
39. This milestone is when the team sends a preliminary closing disclosure to the closing agent to start balancing with all the invoices attached to the file.
40. This milestone is when the team submits the file back to underwriting for the underwriter to review all the documents and give permission for the file to close.
41. This milestone is when the team completes the 10-day verification of employment before closing.
42. (IF APPLICABLE) This milestone is when the team pulls a soft credit report to make sure that there is no new credit lines reporting.
43. This milestone is when the team sends a google review to the borrower and the realtors to complete.
44. This milestone is when the underwriter issues a clear to close for the file – subject line “Congratulations, We’re Cleared to Close.”  We will also send a text at this milestone to the realtors.
45. This milestone is when the team submits the file to the closing department.
46. This milestone is when the team sends the FINAL closing disclosure to the borrower with the real numbers.  We will send the borrower and the buyer’s realtor a copy for review.  We will also email the closing agent to send the borrower the wiring instructions.
47. This milestone is when the closer sends the closing package to the title company.
48. This milestone is when the borrower wires the funds to the closing agent.
49. This milestone is when the closing date has arrived.
50. SNOOPY DANCE!

We highly recommend Kristine Kennedy! She was amazing to work with. Kristine is an excellent trouble shooter, problem solver, amazing followup, detail oriented and very organized. She made our complex refinance do-able. We are grateful to have worked with someone who also remained calm and kind during the whole process. We did this all from out of state. It was like we were next door to her!

Carolyn Still

Being a first time home buyer I had absolutely no idea what to expect. From start to finish, Kristine made the process as easy and seamless as possible without any issues at all. She kept me in the loop on every little detail and immediately answered any and all questions I had. You can tell she truly has the best interest of the person/people she works with. I highly recommend working with Kristine and Success Mortgage Partners!

Frank

Kristine did an amazing job on my refinancing. She made the process effortless, seamless and quick! Besides being professional, kind and continuous great communication, she was always available to answer all my many questions. I can honestly say she was amazing during the entire process from beginning to closing! I highly recommend her for any services her company can offer. Jay Friemark

Jay Friemark

An amazing home buying experience This was my first time purchasing a home, I thought it would be a strenuous and difficult process, but Kristine went above and beyond being helpful with any and all questions and breaking down any information I needed help wrapping my brain around. She was very easy to reach any day of the week and kept me updated throughout the whole process. I know for sure that the next time I buy a home I will put my trust in Kristine and her amazing team.

Timothy Ridgner

Kristine and her team were very helpful with our refinance! She kept us well updated on the process and worked very hard to get us great rates. She would be a great person to work with for your mortgage!

Ellen Vergales

Team Kristine made the whole refinancing process easy and quick. I had a little bit of a weird situation and she knew exactly how to handle it. I just completed closing yesterday and will recommend Kristine and her team to anyone looking to buy or refinance a home.

Felicia Thomas

Kristine and her team were amazing. They helped us get our first home and we were very blessed to receive their guidance. Definitely recommend reaching out if you’re buying a house!

Aurora Hernandez

I would highly recommend Kristen and her team! From start to finish they made me feel comfortable and informed. All of my questions were answered quickly no matter what time or day it was. Through the whole process, I felt like I had someone in my corner helping me make confident decisions. Thank you again for your help. Everything went smoothly and closing was a breeze.

Jennifer Wisser

I have been with Kristine in the mortgage process for 6 Months now do to some hick ups on my end. Never once did she give up on me. Today thanks to her and her awesome co worker Jeff , we signed and bought our first home. Communication was amazing and they will get the job done! Cant recommend them enough

Reagan Abel

Kristine and her team made the home buying process extremely easy. She kept us informed, answered all questions, and made the journey painless. Kristine is very knowledgeable about all types of loans, and made sure that our mortgage payment was within our budget. I highly recommend her!

Reggie Bailey

Team Kristine and Jeff are phenomenal team. They thoroughly walked me through each step of the process, and were readily available for any questions or concerns I had. Their professionalism was above and beyond my expectations. I highly recommend them!

Sue Sheldon

From Day 1 Kristine and her team were laser focused on the details of what we needed, when, and how. Throughout the process she kept us informed and up to date; we never needed to wonder how far along we were or what was next. Nothing was rushed, and we were taken through all the details in a way that built confidence. This was not my first home buying experience, so I came in prepared for a stressful process, but her and her team made everything easy and quick, helping us close in just 24 days!

Anthony Curtis

Kristien and her Tram are Absolutely Amazing!! If I could give her more stars I would. My husband and I are first time Hombuyers and we're dreading the whole process because of stories we have heard from friends and Family about the process of buying a home. From day one she put us at ease and told us everything that we need to do and what step comes next. We Highly recommend Kristien and Her team, made our home buying experience Super easy. We will be telling everyone that is buying a home to call her for sure.

Maureen Squires

From start to finish I had a wonderful experience working with Kristine Kennedy. Any questions or concerns were answered promptly and professionally. When closing day arrived all paperwork was completed properly which made the transition run smoothly. This was my 8th house purchase and by far my best experience. I would highly recommend Kristine to anyone.

Guy Harper

I honestly don’t know where to begin. Working with Kristine Kennedy at Success Mortgage has been such a wonderful experience. I honestly cannot thank her enough for all the hard work and all the time she took to give us exactly what we needed. I’ve worked with different lenders and in all reality I thought they’re all the same, but I just learned that’s definitely not the case with Kristine Kennedy. She is absolutely strong, powerful and straight to the point. Down to closing day she did not stop working around the clock to make sure everything was lined up and ready to go for us to get the keys to our new home. I absolutely recommend her 1000%. Thank you for making it happen Kristine!!! You truly rock!

Eliana Saleh

Kristine was AMAZING to work with. Everything went so smoothly and she got our entire loan processed in record time. I would highly recommend her as she made our dream come true. She is the BEST !!!

cindy darsey

My experience with Kristine and her team was wonderful. They were rapid, thorough and friendly. They kept me updated on all items as the process proceeded. I could not recommend them enough. Great Team!

Jean-Pierre Comeau

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