Kerins Associates Inc.

We worked with Kathleen to purchase our first home in 2024 and to refinance this month. Both times Kathleen was an absolute pleasure to work with - incredibly responsive, professional, and fair. We looked at several lenders/brokers for our first purchase, and while there wasn’t a big difference in costs/rates, Kathleen’s was the lowest and we found her to be the most transparent and easiest to work with. For our refinance, we only worked with Kathleen and she helped us absolutely nail the timing to lower our rate. Would highly recommend her to others

Kathleen was absolutely phenomenal to work with. From day one, she treated me like family and went above and beyond to make sure I was taken care of every step of the way. As a member of the military, I truly appreciated how knowledgeable, thorough, and attentive she was — she made the entire home-buying process feel smooth and stress-free. Kathleen took the time to explain everything clearly, answered all of my questions, and ensured nothing was overlooked. She was also able to beat every other interest rate I received, which made a huge difference. Her dedication, professionalism, and genuine care set her apart. I would 100% recommend Kathleen to anyone looking for a mortgage broker who truly has your best interests at heart. She made what can be a complicated process incredibly easy a

Kathleen was absolutely terrific throughout our home buying process. She was super responsive and proactive about everything, especially navigating a turbulent rate environment. I was referred to Kathleen by some folks at United Wholesale Mortgage’s corporate office; suffice to say that after working with her, it’s quite clear why she is one of their top brokers! Her attention to detail and personal approach was much appreciated.

As someone who’s strengths are the furthest thing from math & financial literacy, I knew I needed someone who would be patient, compassionate, & clear when teaching me how to learn lots of new (overwhelming) information — and Kathleen EXCEEDED those requirements from day ONE. 🙌🏼✨ Kathleen is extremely knowledgeable and personable. Every time you talk to her, it’s as if you’re talking to an old friend. Her energy makes you feel grounded and secure, which is very important when tackling the stresses of buying a new home. I admire how cool, calm, and collected she is - and also how she manages to be a complete POWERHOUSE in every situation or dilemma. I would recommend Kathleen to every single person looking for a reliable, kind, and supportive mortgage broker. I seriously would not have be

Working with Kathleen was truly a game-changer in our homebuying journey. From the very beginning, she did an incredible job breaking down the financial aspects of owning a home and securing a mortgage. She made complex information easy to understand, which was especially helpful given my complicated finances and the unique challenges of co-borrowing with my sister, who has a non-traditional work history. Kathleen went above and beyond by assisting with credit repair, walking us through what documents we needed to submit, and always being quick to respond to any questions we had. She also did detailed financial analyses on multiple homes, giving us a clear picture of what costs would look like under different mortgage options. Her guidance helped us get the best value out of our mortgage,