Kreg King

🚫 Your Bank vs. ✅ A Mortgage Lender – Which one actually works for YOU? 🤔 1️⃣ Loan Options: BANK: Offers only its own limited loan products often resulting in higher interest rates. LENDER: Shops multiple banks & lenders to get you the best rate and terms. 2️⃣ Approval Flexibility: BANK: One-size-fits-all underwriting—if you don’t fit their mold, you’re denied. LENDER: Works with a variety of loan programs to match your unique situation. 3️⃣ Customer Service: BANK: You’re just another application in a long queue. LENDER: Our customer service is second to none! I will guide you through the process every step of the way and genuinely care about your home buying experience. 🎯 A mortgage lender works FOR you, not the bank. Want to see what you qualify for? DM me “HOME” to get started! 🏡💬 #homebuying #homeloans #mortgagerates #realestateexpert #mortgagetips

1️⃣Twenty years ago, I struggled with a serious gambling addiction. It got so bad that I sold the clothes off my back to cover my debts. My wife (then my girlfriend) gave me an ultimatum—either her or the gambling. That day, I made the decision to give up control of my finances completely. To this day, every dollar I spend is carefully monitored. In fact, my business partner had to buy my wife’s birthday gift for me last week (don’t worry, I paid him back 😂). I do this not because I still have a problem, but because I’ll always be a work in progress, and I never want to lose control again...and she is always watching! 🕵️‍♂️🤣 2️⃣I am a sucker for sad movies. I cry whether it is The Titanic or Little Mermaid. 3️⃣As I grow and advance in business, I can feel my heart becoming a bit colder. In sales, I’ve learned that in order to succeed, I have to numb myself to the feelings of rejection. I’m working hard to keep those emotions from spilling over into my personal life, because deep down, I truly care about people and would give the shirt off my back for anyone who needed it. 4️⃣I’m not good at apologizing... that’s simply just the truth. It’s not because I don’t care, I just suck at admitting I’m wrong and I know I need to get better at saying, “I’m sorry.” 5️⃣There have been times in my life when I’ve struggled with faith—especially after losing my sister in 2020. She was the most beautiful soul I had ever known, and her passing left me questioning everything. I often found myself wondering how a loving God could take someone so selfless and light-bringing from this world. With time, I’ve come to realize that faith is a deeply personal journey—one that requires both surrender and vulnerability. Trusting in something greater than myself isn’t always easy, and the lack of control can feel overwhelming. But it’s something I choose to work on every single day and surrendering lifts an incredible weight from my shoulders. We’re all a bit of a mess. But, amidst it all, I strive to help people achieve their goals and find the joy in the chaos. So if I can help you in the world of real estate OR if you can relate to any of my mess, let’s connect!

Housing analyst Melody Wright said New Albany has too much inventory and not enough buyers… 👀 The data said otherwise. 1.4 months of supply vs. a 4-month national average. We’re nearly 3X tighter than the national market. I’ll let the numbers do the talking. 📊🏡 #realestate #newalbanyohio #ohiorealestate #marketupdate

On this episode of The Paul George Real Estate Show, I talk with Nick Steinhauer and Kreg King from Lower Mortgage and Cristina Romanelli with Keller Williams, for a roundtable discussion about the Columbus market and tackle recent real estate headlines. We discuss mortgage rate changes, the current real estate market and much much more. Ways to listen: 🎧 Click the link in my bio 🎧 Click http://tr.ee/SRpNKacPgt 🎧 Search for The Paul George Radio Show on any major podcast platform Thank you to our sponsor @thrivemortgage_columbus powered by Lower Mortgage Thank you to Lifestyle Home Loan for sponsoring the show

My wife changed her first tire last month at 42 years old. And honestly… she did great. 💪 But the reason it went smoothly is because she wasn’t alone trying to figure it out under pressure. I was there to guide her through it. Buying a house is the exact same way. A lot of people wait until rates change, inventory drops, or they find the ‘perfect house’ before they start learning the process. That’s when stress kicks in… and mistakes happen. The smartest buyers prepare BEFORE the pressure hits. Guidance matters when you’re figuring it out in real time. Make sure you have the right professionals in your corner! #mortgagelender #realestate #firsttimehomebuyer

It’s not every day that you meet a person with such intention, insight and integrity – but @drbenjaminhardy checks all those boxes. ✅ Grateful for the opportunity to see Dr. Ben speak again – this time as an audience member instead of an @join.rebel event creator.🔥🙌 #growth #mortgage #explore #10x

Quick myth check ⬇️ You do NOT need: – 2 years at the same job – To wait until you start working – To “get settled first” I just helped a soon-to-be grad buy his first home using: ✔️ Grants for Grads program ✔️ Signed offer letter for income He’s skipping the rent phase entirely. The people who win financially early don’t wait… they plan. If you’ve got a graduation coming up (or know someone who does), let’s talk strategy. #mortgage #firsttimehomebuyer #graduate #financialeducation

Most people would walk into a space like this and immediately pass. It’s messy. It’s outdated. It’s being used for storage. But that’s exactly why it’s a great investment. This second floor is 4,000 square feet in a prime downtown location… and right now it’s producing $0 in income. We’re investing $250,000 to convert it into 4 apartment units projected to rent for around $1,400 each. That’s $5,000+ per month from a space that was doing nothing. Here’s the part most people miss about real estate investing: 💡 Value isn’t found… it’s created. It’s created by: 👓Seeing potential where others see problems 🛠️Taking on projects that aren’t “pretty” 🕵🏻‍♂️Solving inefficiencies (like 4,000 sq ft being used as storage) Will this project be easy? No. Will it be perfect? Definitely not. But that’s where the opportunity is. We’re about 4 years to breakeven… and after that, this floor becomes a long-term income-producing asset. 💰 This is the side of real estate you don’t see on TV. No shortcuts. No overnight wins. Just smart decisions, patience, and execution. Follow along! I’m documenting the entire process from demo to finished units. If you’ve ever thought about investing in real estate, this is exactly how it actually works behind the scenes. #realestateinvesting #financialfreedom💰 #investing #realestate #delawareohio

STORY TIME! A local agent reached out to me after a deal hit a major roadblock… the appraisal came in $40,000 LOW. 😳 I reviewed the report and immediately saw issues. There was missing data, overlooked comps, and just a flat-out weak valuation. I advised them to push for a second appraisal. The lender said no. Their system flagged the home as “overvalued.” So the listing agent made a bold call… ❌ Cancel the contract 🔁 Relist the home Within 24 hours, they were back under contract. New buyer. New appraisal. And guess what? ✅ Value came in at FULL asking price That decision saved the seller $40,000. Moral of the story: Who you work with matters. The right agent and lender don’t just close deals, they protect your equity #mortgagelender #realtor #marketupdate

We're on the hunt for the ultimate location for Rebel 2027. 🔥Constantly evolving, discovering and building together to bring our community the absolute best.🏆 #rebelevent #midwest #explore #fyp #realtor

AI can search listings. AI can pull comps. AI can even draft an offer. 🤖 But here’s what AI CAN’T do — protect you from making a $10,000+ mistake. 💸💰 A recent news story out of Florida highlighted a new platform letting buyers skip the agent entirely using AI. And while the tech is impressive, here’s what they don’t tell you: ❌ AI doesn’t know why that neighborhood’s prices dropped last quarter ❌ AI can’t read a seller’s motivation and use it to negotiate in YOUR favor ❌ AI won’t catch the clause in a contract that could cost you thousands at closing ❌ AI doesn’t know WHY the house down the street sold for $15K under asking. The average buyer’s agent commission is around 2.5–3%. On a $400,000 home, that’s roughly $10,000–$12,000. Sounds like savings — until you overpay for the home, miss a critical inspection issue, or lose the deal because your offer wasn’t structured correctly. A great agent doesn’t cost you money. They SAVE you money. 💰 If you’re buying or selling and want someone in your corner who knows this market inside and out — drop a comment below or send me a DM. Let’s talk. 👇 #realtor #mortgagelender #ai #marketupdate

Story time! 📚 Big win for my client as interest rates push higher! We just helped a homebuyer secure a LOWER monthly payment using a 2/1 buydown strategy. Here’s how it worked: We negotiated $10,000 in seller concessions and used those funds to temporarily reduce their interest rate. Year 1 = rate reduced by 2% Year 2 = rate reduced by 1% Year 3 = back to the full note rate This means significantly lower payments upfront while they settle into the home 🙌 In a market like this, it’s not just about getting an offer accepted...it’s about structuring the deal the RIGHT way. If you feel like the rates have priced you out of this market, read this again! Then reach out to me and we can discuss some creative strategies that can save you some money in times of uncertainty. 👊 #housingmarket #mortgagerates #mortgagelender #creativefinancing