Kim, a seasoned mortgage expert with NBH Bank (NMLS 465954), has been guiding clients toward their homeownership dreams since 2010. Grounded by the belief that "Happiness is something you decide ahead of time," she approaches every loan with optimism and dedication. When she's not helping families secure financing, you might find her enjoying the outdoors, gardening, or cheering on the Denver Broncos. Family, faith, and good health are her cornerstones. While she once dreamed of being an English teacher, she now finds fulfillment in helping others navigate the complexities of the mortgage process. Enjoy a meal at Roman Villa, her favorite restaurant. Member FDIC.