Kathryn Hardeman |1st Alliance Mortgage

Kathryn Hardeman

Loan Originator

NMLS ID 266340

Kathryn Hardeman |1st Alliance Mortgage

Meet Kathryn Hardeman: Your Dedicated Loan Officer

With a passion for empowering individuals and families to achieve their financial dreams, Kathryn Hardeman thrives as a loan officer. She believes that homeownership is more than just a transaction; it’s a life-changing milestone. Drawing on her extensive knowledge of the lending landscape, Kathryn expertly guides clients through the mortgage process, ensuring they feel informed and confident every step of the way.

What fuels her passion? Kathryn is driven by the stories of her clients—the first-time homebuyers, the growing families, and the seasoned investors—each with unique aspirations and challenges. She takes pride in crafting personalized solutions that align with their goals, helping to turn visions of home into reality.

Known for her approachable demeanor and unwavering support, Kathryn fosters lasting relationships built on trust and transparency. Whether you’re navigating your first loan or looking to refinance, she’s committed to making the journey smooth and stress-free.

In a world where financial decisions can feel overwhelming, Kathryn Hardeman stands out as a beacon of knowledge and compassion, dedicated to transforming dreams into homes.

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Refinancing your mortgage does incur closing costs. Closing costs are going to vary depending on your loan amount, your loan program, and how long you have been in your current mortgage. As a general rule of thumb, the closing costs are going to run between $3,000-$4,000.
Most likely you will skip one month's mortgage payment for you to use towards other debt, to make some home improvements, to take care or other personal expenses, or maybe to keep in savings for future use. But you also have the option to bring the equivalent of that saved payment to closing to keep your loan balance as low as possible.
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You can refer to your most recent property tax statement. You can also log into your county appraisal district, such as www.BrazosCad.org
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Please refer to your most recent homeowners policy for the annual amount.
Please refer to your most recent homeowners policy for the renewal month.
Your escrow account is like a savings account that is used to pay for your taxes and insurance. The costs of the escrows are going to vary greatly. The best way to estimate your escrows is by checking your current escrow balance on your most recent mortgage statement. Please remember, that you will be getting a refund of your current escrow balance within 3-4 weeks after your refinance closing. Many of our clients will roll all of that cost into the loan and then pocket their refund for other personal expenses. While others will bring that amount to closing and wait for the escrow refund to come back.
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Upon submitting a loan application, we will retrieve your credit report, which subsequently acts as a “trigger” for other companies seeking new customers. Unfortunately, lenders, credit card companies, and insurance providers can acquire your data from the three major credit bureaus, Experian, Equifax, and TransUnion, turning you into what is referred to as a “trigger lead.” As a result, you may experience a surge in phone calls from other companies after applying. While triggers leads may be perceived as unethical by some, it is important to know they are legal and according to the Federal Trade Commission (FTC) and Consumer Finance Protection Bureau (CFPB), they are used to encourage competition among lenders and other companies. It is important to note that these solicitors do not have access to Personally Identifiable Information (PII). The information they receive from the credit bureaus only indicates that there has been a recent credit inquiry, enabling them to compete for your business.

Although it is not possible to completely halt trigger leads, you can adopt a proactive approach and opt out before you start receiving unwelcomed communications.

To prevent the credit bureaus from selling your information as a trigger lead, visit OptOutPreScreen and register. The registration process typically takes around five days to complete and will only affect future lead requests, meaning you may still receive some solicitations.

For the elimination of unwanted phone calls, you can register your phone number(s) on the Do Not Call Registry.  We recommend initiating this process at least one month before applying for a loan since it can take a few weeks to become effective.

At 1st Alliance Mortgage, we value your privacy, and WE DO NOT SELL customer information to third parties. We safeguard the trust you have placed in us and maintain the utmost confidentiality and accuracy of that information. If you would like more information, please contact us directly at (979) 694-1000.

*OptOutPrescreen.com is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance.

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1st Alliance Mortgage LLC - NMLS 1407 | 4438 State Highway 6 S, Ste. 201, College Station, TX 77845

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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov

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A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov