Krista Thomsen's (kthomsen12) Blog

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Mortgage and Lending - Finance of America Mortgage LLC - NMLS# 1004324
I’m sure you know that you can get a free copy of your credit report by logging on to   But, here’s what you may not know—there are other agencies that provide specialty reports, such as your history of filing insurance claims, traffic violations, medical information ...
I’m pretty sure that within the last few months, you’ve either read about or heard the news about the “qualified mortgage rules” that the Consumer Finance Protection Bureau (CFPB) has implemented to make sure that home loans (both purchase and refinance) meet certain criteria.  Even if you are no...
Did you know…that sellers may provide down payment assistance to buyers and hold a second mortgage? Depending upon the amount of equity that your seller has accumulated, this could be a great option for home buyers and good long-term income for your seller. These rules apply to both Fannie and Fr...
In a recent National Associating of Realtors “Profile of Home Buyers and Home Sellers” survey, they provided a list of the top things that home buyers are looking for when shopping for a home these days. They are in no particular order. Some categories are more important than others—depending on ...
Real estate agents, are your homebuyers worried about locking in the best interest rate for their home loan? With PrimeLending’s float down option, your clients can relax and feel confident that they will get the best interest rate for their mortgage. Check out this video.
Most standard homeowner’s insurance policies cover damage to your home for theft, fire, lighting, smoke, frozen pipes, ice or certain types of weather damage.  It usually covers you up to a certain dollar amount if someone is injured on your property and decides to sue you.  But, did you know tha...
Buying or selling a home can be exciting, but it can also be a mixture of fear, anxiety and anticipation because it means a new chapter in your life. Choosing the right real estate agent is one of the first things to consider when making a move.  While friends and family may refer a real estate a...
Home improvement projects are giving homeowners a greater return on their investment when it comes time to sell.  If you haven't already decided to renovate, here are 3 reasons why you should consider it. 1.        The housing market is on the rebound.  No one wants to put money into a house and ...
Over the last few years, there has been much attention brought to telling consumers how important it is to know what is on their credit before they need to have it pulled.  This is very true, however, most of us don't have any idea how to read and understand all the information that is on a credi...
Do you get junk mail from other mortgage companies, insurance agents, credit card companies and car dealers with ads telling you that you have already been pre-approved to do business with them?  Well, let me tell you why!  Credit bureaus make a ton of money selling “credit profiles” to companie...

Krista Thomsen

Loan Officer
local_phone(712) 339-2130
smartphone(712) 330-0566
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