Fred Kreger, Sales Manager and Sr Loan Officer
@fredkreger
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NMLS # 214640/1850 Licensed by the Dept of Corporations under the Calif Residential Mortgage Lending Act. Equal Housing Opportunity. https://nmlsconsumeraccess.
ÜT: 34.387623,-118.599364
Joined March 2009
New goals don't deliver new results. New lifestyles do. And a lifestyle is a process, not an outcome. For this reason, all of your energy should go into building better habits, not chasing better results.
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Apparently its #nationalinspirationandmotivationday
#leadership doesn’t avoid—it leans in. Have the conversation. Say it in love. Grateful for the inspiration from Valerie Grubb at the #WomenInLeadership event hosted by Ames Regional Economic Alliance
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Pending home sales rose for the 4th month in a row – the highest since early 2023. Home prices are cooling in many states, opening the door (literally) for more buyers. The Fed just reappointed regional presidents… and yes, Jerome Powell is still around (for now).
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Here’s to a fresh start, new opportunities, and a strong year ahead. Happy New Year 2026.
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VA loan myth busting with Alli Kuberski Mortgage Team Powerful buying benefits Built for Veterans You earned this Let’s help you use it wisely. Drop a "VA" in the comments if you’re VA-eligible & are ready to chat about your options! #VALoan #VeteranHomeBuyer #HomeBuyingTips
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Working smart isn't the opposite of working hard. It's the result of working hard. You have to put in the hours before you can see the shortcuts. You have to do the work wrong many times before you discover how to do it right.
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#curiosity cost NOTHING! Start early, find out what your options are, and create a strategy for your #HomeOwnershipGoals! #MortgageStrategy #mortgageadvice #winter #prepareearly
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Not all naughty lists are created equal & the Mortgage edition is officially here. Want to stay on the nice list?? DM us “Lisa’s List” #naughtylist #MortgageAdvice #Homeownership #firsttimehomebuyer
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APMCares is the kind of “mission in motion” that actually shows up where it counts. At Global State Mortgage, giving back isn’t a checkbox, it’s part of how we serve the same neighbors we work with every day. #APMCares #GlobalStateMortgage #CommunityMatters #PeopleFirst
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Made it to the Nakatomi Christmas party. Vibes are suspiciously intense., they said. Come out to the coast, we'll get together, have a few laughs. #yippeekiyay #diehardmovie
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Divorce mortgage planning ≠ a regular loan, It’s not just approval + closing, it’s settlement timing, support terms, equity, and affordability after the https://t.co/fUwrIwWosB a CDLP®, Lisa Severseike helps structure terms that protect credit and housing stability.
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This is what women-led #realestate conversations look like. Lisa sits down with two amazing realtors to talk real estate, real life, and everything in between. Full episode is live. Grab a sip and tune in! Watch Now https://t.co/PbJ2mbKc2P
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Starting Christmas week the right way - where the best ideas are born… in the hot tub! Twinkly lights, a glowing tree, & #momokawa canned sake in hand #MomokawaSake #SakeLovers #CannedSake #HolidaySips #SakeAndHotTubs #hottublife #sakeone
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Cash to close ≠ down payment Lisa’s breaking down a very common homebuyer mix-up — and why it matters - Because knowing your numbers upfront = way less stress at closing! Save this if you’re house hunting #cashtoclose #DownPayment #househunting #FirstTimeHomeBuyer #homeownership
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Des Moines Metro in the RentCafe Livability Rankings https://t.co/UpGMYKPJ9o
rentcafe.com
Looking to move to a new place? Here is a list of the most livable metro areas across the U.S. offering the best renting experience.
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Wishing you and your loved ones a beautiful and blessed winter solstice.
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Wishing you and your loved ones a beautiful and blessed winter solstice.
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