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Ken's AI-Assisted
Ken's AI Mortgage Assistant
Trained on Ken's real answers, not a live chat
AI ASSISTANT
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How much down payment do I need to buy a home?
Programs are available with as little as 3% down. The right number for you depends on your loan type and goals, which is exactly what we'd work through together.
Can I get a mortgage with less-than-perfect credit?
Often, yes. Every situation is different, and there are usually more options than people think. Ask Ken's AI about your specific situation or book a call to go through it directly.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell us. Pre-approval means we've actually verified your income, assets, and credit, so it carries real weight when you make an offer.
Why work with a mortgage broker instead of a bank?
A bank can only offer you that bank's products. As a broker, Ken can shop multiple wholesale lenders to find the deal that best fits your situation, and CFR Mortgage doesn't charge processing fees on almost every file.
What's a 2-1 buydown?
It's a strategy that temporarily lowers your interest rate for the first two years of your loan, which can lower your payment while you settle in or wait for rates to improve.
Can I qualify for a mortgage if I'm self-employed?
Yes, self-employed buyers qualify every day. It usually just takes a different documentation path, which is one of those "weird situations" Ken works through regularly.
Licensed in MN, WI & FL · This AI assistant provides general mortgage education only. For specific loan terms, rates, or guidance on your individual situation, please schedule a consultation with Ken.
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