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I build tools that reduce subjectivity, surface reality earlier, and help smaller firms compete in systems where outcomes too often depend on who you know.
Government-backed lending is meant to be rules-based. But when decisions rely on discretion, relationships, and unwritten rules, subjectivity becomes a hidden barrier to entry.
KimmyMae exists to make expectations clearer, decisions more objective, and outcomes more defensible—before time and money are wasted.

I believe government-backed lending decisions should be made objectively, according to law and regulation—not shaped by relationships, leverage, or opacity.
I believe systems work best when checks and balances exist at every critical point. Underwriting is scrutinized extensively. The bond markets that set borrower interest rates should be no exception.
I believe expertise deserves a seat at the table—regardless of gender. Too often, women with tenure and credibility are excluded from the networks that quietly determine outcomes. That imbalance weakens the system for everyone.
(n.) The moment in time when a loan's interest rate is fixed. The rate lock is not confirmed until borrower and lender have agreed to all terms and conditions via contract. Cannot be undone without penalty.
(adj.) Of or relating to housing dwelling units of 3 or more. Commonly known as apartments, nursing homes, assisted living facilities, elderly housing, and the like.
(n.) A class of housing commonly referred to as rental housing. The opposite of single family. Also included are nursing homes, assisted living, senior living, and other residential healthcare facilities.
(n.) A type of mortgage finance that utilizes loan guarantees from federal public and semi-public agencies. The Federal Housing Administration, GNMA, Fannie Mae, and Freddie Mac are all agencies in the Agency Lending space.
(n.) A vehicle through which multifamily borrowers can secure lower interest rates on their loans when they commit to providing affordable housing.