Kim has been in the mortgage lending and real estate business since 1984. She began her career in real estate as a Real Estate Loan Processor for an independent mortgage broker in San Diego, California. She was quickly promoted through the ranks of the real estate mortgage business to the positions of Underwriter, Funder, Insuring and Guaranteeing Officer, Loan Officer, Regional Vice President for wholesale lending, and now the President/Owner/Broker for Finance Plus Real Estate and Finance Plus Mortgage. In addition to her experience in the mortgage business, she has also been selling real estate since 1987. Kim has won Top Producer awards for real estate sales, Top Producer for Loan Origination, and awards from her wholesale banks for Best Loan Packaging. In addition to selling real estate and mortgage lending she has been building homes for resale in San Diego, California since 1999. She conducts seminars for the public to educate them with the latest market conditions and consumer protection and she is an advocate for consumer awareness in the mortgage industry and real estate.
With Kim’s extensive background in mortgage lending, selling real estate, and home building, she is knowledgeable and experienced in most aspects of real estate and real estate financing. The home selling, buying, and financing process is so multifaceted that it requires someone with expert experience in all related fields to be able to navigate the transaction to a successful close.
Home selling and buying can be one of the most stressful events in one’s life, but it does not have to be!
Most real estate transactions fall out due to improperly qualifying Sellers and Buyers. As a Sellers agent, Kim does extensive marketing that goes far beyond simply putting it on the internet. As a Seller’s Broker, she is able to guarantee the Buyer’s closing by eliminating the #1 reason for escrow fall out, “Buyer did not qualify for the loan”. Prequalification letters from lenders are worthless. There are other tools that she uses to ensure the buyer does qualify, so that the escrow closes. Often during her real estate career, she has been able to step in and get the buyer financing when others have failed.
As a Buyer’s Broker, Kim makes sure that the buyers are fully loan approved BEFORE they go house hunting. This loan approval gives the Buyer more power at the negotiation table because she can eliminate the “loan contingency” in the Purchase Contract.
