Karen Kalm NMLS 231756 | AZ 0931595
I grew up in New Jersey and am a Jersey Girl at heart. I moved to Phoenix, Arizona with my family in my youth and entered the work force in Phoenix. Initially I began my career in auto finance in Phoenix and studied basic business at Glendale and Paradise community colleges. 20 years later, I moved to Tucson where I changed careers into the mortgage profession. I became a licensed mortgage originator in 1998. Finance, numbers, and putting together paperwork are fun to me. Some folks who do finance related careers don’t seem to have much of a personality; the best part of my job is the people and our interaction through the loan process. Let me make numbers fun for you too and show you what’s possible.
I am dedicated to educating my clients on their best options to meet their financial goals. There are many different steps to helping a customer get the house of their dreams. My main focus is to communicate with my clients and move their loan to closing effectively and professionally. My clients often say they feel as if I treat them like family. One of the best things I enjoy about being a member of the Sunstreet team is their culture shares my commitment of building genuine, lifelong relationships.
Outside of work, I enjoy adventures with my husband and our dogs, four-wheeling all over Arizona, riding Harley’s, or boating across Roosevelt Lake.
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Sunstreet Mortgage was professional and fast. We closed on our home in less than four weeks. We were very pleased with the service and particularly the thoroughness of the brokers involved in securing our mortgage.
The Mortgage News
Homeowners who refinanced through Freddie Mac in 2013 continued to display fiscal restraint, choosing fixed rate mortgages, keeping essentially the same mortgage balance, and in many cases opting for shorter-term loans to build equity more rapidly. In doing so homebuyers who refinanced during the year will save approximately $21 billion on net over the first 12 months of their new loans.
The Mortgage Bankers Association (MBA) called the fourth quarter of 2013 a particularly strong one for commercial and multifamily mortgage originations, with a total volume of around $280 billion in closed loans, the highest volume since 2007. Preliminary figures indicate that the volume for the entire year was up 15 percent from 2012 and increased 34 percent between the third and final quarter of 2013.
Now that prices have recovered to within striking distance of where many folks purchased their homes, potential sellers have found something new to worry about. Can their potential buyer get a mortgage?