KC Stark
Memorial Day in the USA 2023
Reflecting back on my youth, one of the biggest decisions I made was enlisting in the US Army and joining the ranks of the US Infantry....
top of page
KC Stark Notes to SELF
KC Stark
- 4 min
What Are Seller Concessions and How Can They Be Used?
Seller concessions, also known as seller contributions or seller-paid closing costs, are a portion of the seller's proceeds that go towards
KC Stark
- 2 min
Breaking News: The Rise of the Homeowner Millennials!
Millennials are no longer just “generation rent,” they’re “generation buy.” In a surprising turn of events, millennials have officially...
KC Stark
- 2 min
Ukraine: “not the end…But it is, perhaps, the end of the beginning”
Today may go down in history as the 'beginning of the end' of the war in Ukraine and the start of what appears to be a probing...
KC Stark
- 2 min
Inflation and Housing Costs Display Encouraging Trends
A Brighter Outlook: Inflation and Housing Costs Show Promising Trends
KC Stark
- 2 min
Good news: USA Reaches Lowest Inflation Since 2021
Good news, folks! Inflation has risen just 0.1% in March, which is less than what was expected. Thanks to the Federal Reserve’s interest...
KC Stark
- 2 min
Equifax Experian TransUnion Expect to remove nearly 70% of medical debt
Good news for American consumers seeking to purchase homes and establish credit! Fact: the Consumer Financial Protection Bureau reports...
KC Stark
- 2 min
Fannie Mae Launching New Automated Appraisal Product on April 15 - Could Put Appraisers Out of Work
Breaking news: upcoming changes in the mortgage industry that might affect our work as loan officers, brokers, real estate agents - and...
KC Stark
- 2 min
End of FICO as We Know It: Federal Housing Finance Agency Reveals Timelines
The Federal Housing Finance Agency (FHFA) has revealed its proposed timelines for Fannie Mae and Freddie Mac to stop using the FICO...
KC Stark
- 3 min
Get Ready for More Affordable VA Mortgages This Homebuying Season!
Good news for veterans and military families! The U.S. Department of Veterans Affairs (VA) is making home buying more affordable by...
KC Stark
- 2 min
Breaking News: FHA Extends Max Loan Term for Mortgage Modifications to 40 years
Breaking News: FHA Extends Max Loan Term for Mortgage Modifications to 40 years.
KC Stark
- 3 min
Breaking News: Freddie Mac Expands ‘Related Person’ Definition for Gift Funds!
Good news for America's home shoppers! In a move that will please potential homeowners across the country, Freddie Mac has announced a...
KC Stark
- 2 min
Breaking HUD News: New Homebuyer Savings and End of Covid Guidelines Today!
If you're a home shopper in the USA today, chances are you're reading news about rising rates. Buyers rejoice! The Department of Housing...
KC Stark
- 2 min
The Single Family "Turnkey" Mortgage Program in El Paso County Colorado
The Single Family "Turnkey" Mortgage Program in El Paso County, Colorado is a program aimed at helping low- to moderate-income homebuyers...
KC Stark
- 3 min
Late Rent Payments: What Do Freddie Mac Fannie Mae & HUD Say?
Late mortgage payments can have an impact on your ability to get a loan. However, lenders like Fannie Mae, Freddie Mac, and HUD are not...
KC Stark
- 3 min
Buyer’s Guide: Conventional loans and Federal Housing Administration (FHA)
Conventional loans and Federal Housing Administration (FHA) loans are both popular mortgage options for homebuyers in the United States....
KC Stark
- 3 min
Home Prices: The Reasons Behind America’s Home Price Appreciation
Let's face it America, the last few years have been wilder than most in recent history. We've seen nations rise and fall, but until the...
KC Stark
- 3 min
Andrew Jackson’s Presidency: Controversy, Conflict, and Transformation (1829–1837)
As I continue my studies of America's presidents, Andrew Jackson's presidency screams as one of the most consequential in American...
KC Stark
- 3 min
The Greatest Failed Military Campaigns: From Napoleon to Putin
One year ago today Russia's President Putin committed what may become the worst military decision since the Spanish Armada's attempted...
KC Stark
- 3 min
Breaking News: VA Reduces Funding Fee for Home Buyers!
Attention all VA home loan shoppers! Get ready to save big on your home purchase or construction project with the latest news from the...
KC Stark
- 4 min
Breaking News: New Plan Lowers Mortgage Insurance Fees for First-Time Homebuyers!
Great news for first-time homebuyers in the United States! The White House is rolling out a plan to reduce mortgage insurance fees...
KC Stark
- 2 min
What are Mortgage Loan Closing Costs? Shopper's Guide
Closing costs are the fees and charges associated with finalizing a mortgage loan. These costs can vary depending on several factors,...
KC Stark
- 2 min
Home Loan Fees 101: Lender Title and State Fees
Mortgage fees can be categorized into three general categories: lender-controlled fees, title-related fees, and state-imposed fees. Here...
KC Stark
- 3 min
Mortgage Shopping 101: What Type of Lender is Best for You?
When you're shopping for a mortgage, you'll find that there are several types of lenders to choose from. Each type of lender has its own...
KC Stark
- 4 min
VA Loan Guide - Know What Lenders Know
If you're a veteran or active-duty member of the military, buying a home can feel like an overwhelming process. But with the VA loan...
KC Stark
- 3 min
John Quincy Adams: Controversy Political Polarization and Economic Challenges (1825–1829)
As I delve into the past actions and legacies of our nation's presidents, one quickly sees that polarization and economic challenges are...
KC Stark
- 3 min
James Monroe: The Panic of 1819 to an Era of Good Feeling (1817–1825)
As I dived deeper into the history of America's presidents, my respect for James Monroe grew. His policitcally risky and bold doctrine...
KC Stark
- 4 min
Mortgage Rates: Why Did the Interest Rates on Mortgages Drop After the FED Raised Rates?
Good news home shoppers! Mortgage rates dropped to their lowest levels since late 2022 AFTER the Federal Reserve raised rates. The...
KC Stark
- 3 min
James Madison: Father of the Constitution and Birth of Federalism (1809-1817)
I confess, I knew little of James Madison before becoming intrigued by his history before and after the ratification of the Constitution....
KC Stark
- 3 min
Improving Your FICO Score: 6 Tips and Insights for Home Buyers
When I was young sounds like a good song title, but it also may come in handy for anyone shopping for homes, especially first time...
KC Stark
- 3 min
Divide Colorado: From a Wild West History to a Recreational Paradise
Divide, Colorado and the surrounding Pikes Peak region have a rich history of gold and silver mining during the late 19th and early 20th...
KC Stark
- 3 min
Thomas Jefferson: A Brilliant Mind and Legacy of Infamous Contradictions (1801-1809)
As I ponder the works of America's third President of the United States, Thomas Jefferson, I discover a brilliantly liberated mind and a...
KC Stark
- 4 min
America’s Debt Limit: History Has a Warning for Both GOP and DEM Voters
A blessing of age lies in the providence of reflection. Who else remembers what happened in 2011 and 2013? Hint, it was a self-inflicted...
KC Stark
- 9 min
Bridge the Divide: President Lyndon B. Johnson and Martin Luther King Jr.
As we celebrate the life and deeds of Martin Luther King Jr., today's political parties are plagued by decades of disdain and abuse of...
KC Stark
- 3 min
John Adams: America’s 2nd President and His Lasting Impact on Today’s America (1797-1801)
John Adams was one of the founding fathers of the United States and played a crucial role in the country's early history. He served as...
KC Stark
- 4 min
How Do US Lawmakers Get Away with Breaking the Law and Avoiding Subpoenas?
Wouldn't it be nice to be able to write the laws that govern America and not have to abide by them yourself? The concept is based on...
KC Stark
- 3 min
America’s Defense Spending and the Cost of War and Peace
In the eyes of a US Infantry veteran, defense spending in the name of war and peace still seems to baffle administrations and divide...
KC Stark
- 2 min
Top 10 Checklist: Self-Employed How to Qualify for a Conventional Home Loan
If you are self-employed and looking to qualify for a conventional loan, there are several steps you can take to improve your chances of...
KC Stark
- 2 min
George Washington: Father of His Country and Impact on Today’s America (1789-1797)
George Washington's Principles and Deeds Continue to Impact Today's America George Washington is often referred to as the "Father of his...
KC Stark
- 2 min
3 Big Myths About Your FICO Scores: Hard Pull vs Soft Pull Explained
There are many myths about FICO credit scores, but here are three common ones: Checking your credit score will lower it: This is not...
KC Stark
- 3 min
A Brief History: Home Loan Interest in the USA 1945-2023
Home Loan Interest Rates in the United States If you're a home buyer or seller in 2023, you're likely bombarded by headlines of doom,...
KC Stark
- 2 min
New VA Home Loan Benefit Act Changes Rules on Appraisals
Breaking news for VA homebuyers, sellers, home appraisers, and real estate agents. The Improving Access to the VA Home Loan Act of 2022...
KC Stark
- 2 min
A Brief History of Mount Princeton Hot Springs Colorado
Mount Princeton Hot Springs is a resort located in Chaffee County, Colorado, United States with ancient roots in Native American history....
KC Stark
- 3 min
Top 10 Hot Springs in Colorado: 2023 To Do List
After leaving the military, I picked one of the best places in the world to live. Colorado is known for its beautiful natural hot...
KC Stark
- 3 min
How To Qualify for a One-time Close Construction Loan in Colorado
Since the pioneer's cry of "Pikes Peak or Bust!," Americans have been heading to Coloardo in search of a heatlhy lifestyle and...
KC Stark
- 2 min
When Can a Borrower Cancel Primary Mortgage Insurance (PMI?)
Private mortgage insurance (PMI) is a type of insurance that lenders require from home buyers who make a down payment of less than 20% of...
KC Stark
- 2 min
American Sports History: Coldest NFL Game Ever Played
As we rise and wait for today's chilly Christmas Eve NFL matchups, it made we wonder about the coldest game ever played. The coldest NFL...
KC Stark
- 2 min
A Brief History of Custer County, Colorado
Custer County is a county located in the state of Colorado in the United States. The county was named after General George Armstrong...
KC Stark
- 2 min
Renting vs Owning a Home: Short Game vs Long Gain
Renting a home versus buying a home is a decision that many people face at some point in their lives. While there are benefits to both...
KC Stark
- 2 min
Cost of Living in the USA: 1945-2022 Wages vs Inflation
The cost of living for Americans has changed significantly over the past 76 years, and there are several factors that have contributed to...
KC Stark: MADE IN THE USA
Proud American with deep blue-collar grassroots and military service.
A son father and defender of the American dream. KC Stark has been selected as one of the 'top 100 to know' in Colorado. He's traveled the nation helping fellow Americans plan and expand their businesses and attain their dream of homeownership.
As seen on Fox, MSNBC, and CBS. Huffington Post and Westword.
Mortgage Broker Colorado Springs
bottom of page