Kimberly Bly

  • Sr. Loan Officer
  • NMLS: 339641
  • (806) 698-6853
  • (806) 787-5059
  • (806) 698-9031
  • 3402 110th Street, Ste 101
  • Lubbock, TX 79423
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Welcome to my website

My name is Kim, one of the senior loan officers at the HomeTrust Lubbock office.  For the past 26 years I have been helping families buy their homes.  While pursuing my bachelor’s degree at Texas Tech, I worked part-time at a local mortgage company and have never left the industry.  Getting borrowers through the mortgage process can sometimes be challenging and stressful but the satisfaction of getting to the closing table is still what motivates me day in and day out and why I love to go above and beyond.

Outside of the office, I love family time with my husband of 26 years, Mike, and my two sons Ryan and Greg, who are both Texas Tech graduates as well.  I enjoy Colorado skiing, being a cat-mom, reading and all things Harry Potter.  I am a member of the Texas Tech Alumni Club and always look forward to spring and Texas Tech baseball.

How Do Mortgage Lenders Decide How Much You Can Borrow?
How Do Mortgage Lenders Decide How Much You Can Borrow?
Dec 1 2021   first time buyer first home first mortgage home loan apply for a first home loan
When you apply for a loan, your mortgage lender informs you of the maximum amount you can borrow, and this will help you get an idea of how much house you can afford. The question most buyers ask is how they reach this amount and what factors... Read More
How Does a Home Improvement Loan Work?
How Does a Home Improvement Loan Work?
Nov 24 2021   refinance 30 year loan home loan lower mortgage payment
Home renovations can be expensive, and saving up for extensive improvements could take years. Fortunately, you can fast-track your goals with a home improvement loan.  Home improvement loans allow you to use the equity in your home to fund your... Read More
Which One Is Better? An FHA Or Conventional Loan?
Which One Is Better? An FHA Or Conventional Loan?
Nov 17 2021   first time buyer first home first mortgage home loan apply for a first home loan
Dreaming about your first home purchase but still be undecided on whether to choose an FHA loan or conventional loan? While both are popular choices for those looking for a low down payment, some differences may make one loan a better option than the... Read More
How Much Money Do I Need to Buy My First Home?
"How Much Money Do I Need to Buy My First Home?"
Nov 10 2021   first time buyer first home first mortgage home loan apply for a first home loan
Buying a home is one of the most important decisions you can make. Plus, considering current low mortgage rates, homeownership has never been more appealing and affordable.  In this article, we’ll break down how much you need to purchase a... Read More