In 1994 John Carman started HomeState Mortgage in Anchorage to help Alaskans realize the American dream of home ownership. Last week Loan Originator Kristina Hughes became the Branch Manager of the new HomeState Mortgage office at the “Y” in Soldotna, next door to Jack White Realty. Raised in Alaska Kris started in the mortgage industry in 1993, “For over 20 years I have been committed to helping people obtain home ownership. I enjoy getting to know individuals and learning their goals,” Hughes told the Dispatch while moving into her new office. According to Hughes HomeState Mortgage does residential lending up to four plexus, “With all the growth on the Peninsula we are excited to be here with the necessary lending options to fit the person’s desires. Interest rates are expected to go up in the next few years so now is the perfect time to take advantage of low interest rates and an exceptional market. Use our web site to apply online, calculate payments, view our loan programs, contact us, or learn more about us! We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We’re a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs. But that’s just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan,” said Hughes.

HomeState Mortgage can also help you refinance your home while interests are low, “If your present rate is a half a point higher than what the market rate is I recommend taking a look and seeing if it’s feasible to save you some money over the long ter. It depends on how long you plan to be in your home and generally if you’re going to be in your home more than five years I recommend refinancing if you have a 4.0 rate or higher,” says Kris. Qualifying for loans has gotten more difficult, but that’s where Kris’s commitment to client service comes in, “There are some stringent requirements that look at your assets and all your documents on income and tax returns are all looked at along with your credit and I love working with people personally to do all I can to assist my client and develop a relationship that will turn into a network of referrals.” You can stop by the new HomeState Mortgage office or call Kris for an appointment at 907-273-7390 and learn more about her services at www.KrisHughes.net.