DINING GUIDE

Kristin Jamieson with Xxxx Xxxxxx

herself), three loan partners, three processors, one administrative person and one underwriter, all work towards the goal of getting potential home buyers in the best nancial position possible so they can succeed as homeowners.

“Really anybody obtaining a mortgage for hundreds of thousands of dollars should have to show their ability to repay. We don’t want to put somebody in a mortgage and then not perform,” Kristin says. “It only creates stress and anxiety for them, and then obviously it creates the risk to the lender, so making sure somebody can a ord their mortgage and succeed is not really a bad thing.”

Kristin, who has worked in the mortgage industry for about 18 years, spent most of her early years in processing and underwriting, that is, until she realized that she was doing all the work, while the loan o cers were reaping all the nancial bene ts.

She also knew that she could bring a lot to the table as a loan o cer because of her prior experiences.

“Having the back-o ce experience, along with the processing and lending experience, I know what loans work and what loans don’t work,” Kristin says, adding that to this day, her o ce has never had to deny a person, as far as obtaining a mortgage loan, because of qualifying issues.

She says what she does is do all the research and background checks needed to ensure that when her company sends a pre-approval letter to a client, the possibility of obtaining a loan has actually been veri ed and proven.

“When we issue a preapproval letter, the loans actually get to closing. We verify everything upfront, including income assets, credit, everything,” she says. “Most lenders just require that people ll out an application, but people can put anything they want to put into an application. We have the burden of proof in our industry, so before sending out any kind of pre-approval letter, we verify everything.”

Kristin says that process bene ts the company, but it also bene ts the client because they are not risking monetary losses that go along with having to pay for required inspections, appraisals or earnest money deposits when going out to make an o er.

For the Realtors, it ensures they are not spending time showing properties to clients who will not qualify in the end.

“We go through all the steps upfront to make sure the buyer is really fully preapproved and we never make promises we can’t keep, that’s really big,” Kristin says. “People always want that 100 percent con rmation and I never give it unless I am 100 percent sure something is going to happen.”

“When it comes to money, everyone wants to over promise and under deliver, but when we make a promise, you can rest assured we will deliver,” Kristin adds.

Besides securing mortgages, Kristin takes pride in having built a great relationship with community partners and local charities. When there is a need in the community, she helps whenever and however she can.

“We do a ton of work with the community, as far as involvement with charity organizations, helping with backpacks for kids going back to school, Christmas across South Lake, and so much more,” Kristin says. “We do it because we understand that our younger generations are the next leaders in our community and because of that, we always want to give back and start showing them at an early age what can be done if we all come together for good.”

Additionally, Kristin o ers educational courses in areas like home buyer education, credit, nancing, and budgeting to ensure that younger generations not being taught these things in school, are ready for adulthood and can potentially reach home ownership in their futures.

“They don’t teach nance in school anymore. They don’t teach credit or budgeting or anything like that, so I think people are craving the knowledge; everybody wants to be a homeowner and unfortunately, not everybody in this

“EVERYBODY HAS A LOT OF ENERGY, EVERYBODY HAS THE SAME COMMON GOAL; WE DON’T STOP UNTIL THE JOB’S DONE.”

—KRISTIN JAMIESON

Kristin Jamieson NMLS #1097663

world will be a homeowner, but they could be,” Kristin says.

And it’s not just young people either, she adds, but people hoping to secure a home when they haven’t been able to before, or if they are wishing to sell after many years in their current home.

Either way, Kristin says, “Knowledge is power and so if they have all the tools in their tool belt to get them there, they have a much better chance.”

With that, Kristin says it’s not just her ‘can-do’ mindset that matters, but that of her entire team.

“Everybody has a lot of energy, everybody has the same common goal; we don’t stop until the job’s done,” Kristin says, explaining that there are times when her support sta will be in the o ce and still working come 9 or 10 pm.

“It’s not like I am making them do mandatory overtime, but it’s just that nobody wants to extend a closing date, everybody wants everything to close on time, because we understand there are moving trucks and everything else that’s been scheduled that can really mess up everyone’s life, even if it is just a one day delay,” Kristin says, jokingly adding: “Not to mention that most of our loans are local and I have to see these people in the grocery store, at ball games and things.”

In all seriousness however, Kristin says people ready to do what it takes to purchase a home with a team that can get it done, should give the Kristin Jamieson Mortgage Team Powered by Success Mortgage Partners a try.

“When you’re looking at Maslow’s Hierarchy of Needs, everybody needs food, water and shelter, so I’m helping people achieve one of the number one most important things in their lives,” Kristin says. “There’s nothing more rewarding than helping people have a safe and secure place to call home.”

352.242.1535 / 16903 Lakeside Dr. #1, Montverde / kristinjamiesonfl.com / NMLS #1097663 / NMLS #130562

Success Mortgage Partners, Inc. supports Equal Housing Opportunity. NMLS ID# 130562. This is informational only and is not an offer of credit or commitment to lend. Contact Success Mortgage Partners, Inc. to learn more about your eligibility for its mortgage products.

Heart

Dr. Visali Kodali is back full-time without skipping a beat making a difference to her Cardiac patients at Village Heart and Vein Center. & soul

PAID PROMOTIONAL FEATURE

r. Kodali, a cardiologist in The Villages is known for the care, thoroughness and passion she extends to her patients. She started practicing Cardiology seven years ago after completing fellowships in cardiology and cardiac imaging.

After her daughter was born, these same traits played a role in her decision to take a step back from Citrus Cardiology, her previous practice and spend more time caring for her family, while working part-time as a consultant in the eld.

As of August, however, Dr. Kodali is back full-time, and on board with Village Heart & Vein – a comprehensive Cardiology practice in Lady Lake.

“I can’t wait to be back, in full swing,” Dr. Kodali says. “ I have always been very thorough and listen closely to everything my patients have to say. I spend as much time as necessary getting to really know my patients and giving them the individual attention they deserve.”

“Building trust and forming a team with my patients and their families, while coordinating with other physicians involved in their care helps me stay on top of things.” she adds. “People don’t live in a vacuum and xing only one issue doesn’t often solve the problem.”

Dr. Kodali says that she worries about her patients just as passionately as she worries about her children, explaining that cardiac issues are often scary and life threatening. But modern cardiology has evolved to a stage where, most cardiac issues can be treated well and patients can go on to live full, asymptomatic lives.

“I love everything about cardiology, including the time and dedication it demands,” says Dr. Kodali. “Two generations ago, a lot of people’s stories ended when they had heart attacks. But now, we can treat almost every cardiac condition, from arterial blockages to rhythm disorders, valve problems to structural cardiac issues.”

“We can do a pretty good job of xing people’s hearts while being minimally invasive and get patients back to living happy, active, functional lives. Seeing my patients go back to golf, swim, bike and dance is incredibly satisfying.”

“My goals are pretty clear.” she says, specifying the following:

• Preventing cardiac disease as much as possible with early lifestyle changes.

• Educating patients comprehensively on the signs and symptoms of cardiac disease and getting them to seek care early. • Diagnosing risk factors and cardiac conditions early, treating them appropriately and preventing progression.

• Managing their coronary disease or heart failure well to keep my patients out of the hospital as much as I can.

• Being there at every step for my patients when they develop serious cardiac issues requiring procedures or hospitalization. • Supporting, following, treating and cheerleading them back to a full recovery.

“I believe that this is possible only as a team – my patients, their families, all their physicians, our amazing sta and nurses and above all God,” she says with a smile. “Cardiology is incredibly ‘GRATIFYING’ and it’s good to be back full swing.”

“Cardiology is a pretty straight forward subject. Most cardiac conditions can be treated and treated well. Thanks to all the e ort and research that has gone into cardiology over the decades, Dr. Kodali says. “Now, we owe it to the world to practice it thoroughly and e ectively.”

“CARDIOLOGY IS A PRETTY STRAIGHT PRETTY STRAIGHT FORWARD SUBJECT. FORWARD SUBJECT. MOST CARDIAC CONDITIONS CAN BE CONDITIONS CAN BE TREATED AND TREATED TREATED AND TREATED WELL. THANKS TO WELL. THANKS TO ALL THE EFFORT AND ALL THE EFFORT AND RESEARCH THAT HAS RESEARCH THAT HAS GONE INTO CARDIOLOGY GONE INTO CARDIOLOGY OVER THE DECADES. NOW, WE OWE IT TO THE NOW, WE OWE IT TO THE WORLD, TO PRACTICE WORLD, TO PRACTICE IT THOROUGHLY AND IT THOROUGHLY AND EFFECTIVELY.”

—DR. VISALI KODALI

Dr. Visali Kodali Cardiologist

352.674.2080 / 8575 N.E. 138th Lane, Suite 203, Lady Lake / villageheartandvein.com