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Kathy King

VP of Mortgage Lending
165 East A St, Ste A2, Dixon, CA 95620
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NMLS: 246154
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Calling Kathy King with Guaranteed Rates was the 3rd company I shopped for a refinance loan and was SURPRISED when she quoted a better rate and lower closing cost than both Quicken Loans and USE Credit Union! She offered to meet with me on a Saturday, which was wonderful because I didn't need to take time off work! This is not the first mortgage/refinance loan I've shopped for or completed but working with Kathy was pleasantly unique. First, as I said, she met with me at a time that was best...

Phyllis S. | 09/06/2016

I gave a score of 10 because I was thrilled at how quickly everything came about. Buying a home can be stressful, and how efficiently everything was done helped alleviate some of that stress. I would definitely use Guaranteed Rate again because we had such a positive experience this time. Kathy was great! Very easy to get in touch with, quick on responses, and a great help during the process. She was a pleasure to work with! Kathy is very friendly and personable. She was a great help and I will...

Nathan S. - Vacaville, CA | SEP 2015

Kathy King did an excellent job communicating to me what was needed in a timely fashion. I actually sought her advice on how to get approved on a loan 6 months prior to actually applying for the loan and did everything she told me. Because of her excellent guidance I was able to take the steps necessary to apply for a loan and have no difficulties in getting approved. She stayed on top of everything and got me locked in at a very low rate at exactly the right time.

Donald E. – Dixon, CA | MAY 2016

It was more than a pleasure to work with Kathy King. She was on top of everything. Any time we had questions or concerns she was very quick to respond. We were never caught off guard with paper work, she gave us plenty of time to get the documents she needed to her. She made a stressful process seem less stressful. We felt the biggest plus to working with Kathy King was that we trusted her. We would highly recommend Kathy King to anyone. We will for sure be working with her again in the future....

Charles E.- West Sacramento,CA | MAY 2016

Kathy King was able to be persistent and determine to get through my process. I really enjoyed working with her.

Nancy L. – Dixon, CA | SEP 2015

About Kathy

Guaranteed Rate offers professionalism, knowledge of the industry, and great customer service. My goal is to offer a variety of products, competitive mortgage rates and low reasonable fees. With over 35 years in the mortgage industry, I have always believed in establishing life long customers. I hope to work with you as your financing needs arise or just be someone who can answer your questions. Whether you are purchasing a home or simply want to discuss refinancing opportunities, I hope you will think of me as your mortgage consultant. Referrals are the key to my success, so if you know of a friend or family member who needs help with obtaining real estate financing, please pass on my contact information.

Kathy interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
First of all I need to know their short and long term goals. Determining how long they plan on being in the loan helps guide me to the best loan for them. It's different for everyone, however, fixed rate mortgages seem to be the most popular.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Again, it depends on how long the customer plans on keeping the mortgage. Fixed rates provide security, however, adjustable rates work well for some. If you are considering an ARM, it is critical that the index used which moves the rate is stable. There are also a million other factors that need to be reviewed when considering an ARM which is why you should make sure your loan officer is fully trained on the various adjustable products.
What advice would you give new or first time home buyers?
Get prequalified TODAY while rates and home values are still at an all time low.
What part of the home loan process do customers find most difficult and how do you help them through it?
I would have to say it is probably the stack of paperwork to process the loan, however, Guaranteed Rate makes the process easier the their paperless loan process.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I am currently the Vice President of the Downtown Dixon Business Association and active member of Soroptimist International of Dixon and Dixon Networking Association.

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