Kerins Associates Inc.

Kerins Associates Inc.

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Trusted mortgage advisor providing strategies, effective communication and services for homebuyers and owners. www.nmlsconsumeraccess.org We close loans.

We began as a Mom & Pop shop in 1991 and have grown our client base and reputation to work with the top Lenders in the Nation. We make our clients and realtor partners successful. Honesty, ethics, values and hard work are our foundation.

Here’s Where To Start if You’re Selling and Buying at the Same Time 08/04/2026

Here’s Where To Start if You’re Selling and Buying at the Same Time

There's no one-size-fits-all answer to buying and selling at once. But for a lot of homeowners, leading with the sale makes moving easier on their mind and their wallet.

Let’s connect, so you can navigate selling and buying with more confidence, more financial power, and less stress.

Here’s Where To Start if You’re Selling and Buying at the Same Time If you're a homeowner getting ready to move, one question usually comes first: should you buy your next home before you sell, or sell your current house before you start looking?

Selling a Luxury House? Here’s Why Now Is a Good Time 07/28/2026

Selling a Luxury House? Here’s Why Now Is a Good Time

Selling a high-end house is a big decision, and you deserve to feel confident going in. With sale prices climbing and buyers active at the top, this is a strong window to make your move.
Ready to cash in? Let’s talk strategy.

Selling a Luxury House? Here’s Why Now Is a Good Time If you own a luxury house, you're in a stronger spot than most sellers right now. While much of the market has cooled, the high-end tier hasn't.

The “Take It or Leave It” Attitude Is Fading from the Market – What That Means for You 07/14/2026

The “Take It or Leave It” Attitude Is Fading from the Market – What That Means for You

Sellers and builders are both giving buyers more to work with this year. Want to know what’s realistic to expect in concessions and incentives in our market? Let’s connect.

The “Take It or Leave It” Attitude Is Fading from the Market – What That Means for You Negotiations are back. More buyers are asking for better deals, and more sellers are giving them. Builders are throwing in extras, too.

Down Payments Are Smaller Than They’ve Been Since 2021 07/07/2026

Down Payments Are Smaller Than They’ve Been Since 2021

Down payments are smaller than they’ve been in years, and that opens the door for more buyers.

And with added help from assistance programs and a little help from loved ones, you may have more ways forward than you realized. Connect with a trusted lender to talk through your options.

Down Payments Are Smaller Than They’ve Been Since 2021 Saving for a down payment can feel like the hardest part of buying a home.

Down Payments Are Smaller Than They’ve Been Since 2021 07/02/2026

Investing in a new home does not require a large down payment. May I create a custom mortgage analysis showing you?

Down Payments Are Smaller Than They’ve Been Since 2021 Saving for a down payment can feel like the hardest part of buying a home.

The 1 Factor That Explains Everything Happening with Home Prices Right Now 06/30/2026

The 1 Factor That Explains Everything Happening with Home Prices Right Now

When it comes to prices, where you are matters more than ever right now, and a local real estate agent is the best person to help you make sense of it.

Reach out today and let's build a plan that fits our market.

The 1 Factor That Explains Everything Happening with Home Prices Right Now You've probably heard that home prices are cooling off.

That House That’s Been Sitting Could Be Your Best Shot at a Deal 06/23/2026

That House That’s Been Sitting Could Be Your Best Shot at a Deal

A house sitting on the market isn’t always a glaring red flag. In today’s market, it may be your best opportunity yet.

For help deciding which lingering listings are actually worth a second look, let’s connect.

That House That’s Been Sitting Could Be Your Best Shot at a Deal Open up a home search and you'll see them. Listings that have been on the market for two months. Three. Some longer.

Is It Still a Seller's Market? Here's What the Data Says. 06/23/2026

Is It Still a Seller's Market? Here's What the Data Says.

Right now, local markets are moving in very different directions. And your strategy as a buyer or seller should reflect your market.

Want to know which way our local market is leaning and what that means for your move? Let's connect.

Is It Still a Seller's Market? Here's What the Data Says. Remember a few years back when sellers held all the power and buyers were stuck offering way over asking or waiving inspections just to get a chance at the house? In many markets, those days are behind us.

Two Big Reasons To Move This Summer 06/16/2026

Two Big Reasons To Move This Summer

Could waiting until later this year work out? Sure. But it's important to understand what you may gain by moving now too – that way you have the full picture before you decide.

If a 2026 move is on your radar, let’s connect and talk about what matters most to you. Depending on your priorities, Summer could be your moment.

Two Big Reasons To Move This Summer A lot of people who want to move are telling themselves the same thing: "Maybe I'll just wait until later this year once things calm down."

Could Moving a Bit Further Out Change Everything About Your Budget? 06/09/2026

Could Moving a Bit Further Out Change Everything About Your Budget?

Affordability is a real challenge, but it's not an unsolvable one. The key is being open to places you might not have considered before. A local real estate agent can help you find them.

Ready to find out which areas have the best affordability right now? Reach out today.

Could Moving a Bit Further Out Change Everything About Your Budget? Whether you're dreaming about buying your first home or wondering if it’s time to move on from the one you're in, affordability is probably weighing on your mind.

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Address


13821 Mills Avenue
Silver Spring, MD
20904

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 5pm
Sunday 9am - 5pm