September 26, 2025 • 12 mins
Ever wondered why banks turn down your mortgage application while others get approved? The answer might be simpler than you think. Mortgage broker Kimberly Mashek reveals the hidden truths of home financing that traditional lenders won't tell you.
After 18 years as an accountant, Kimberly found her true calling helping people navigate the complex world of mortgages. With access to over 250 lenders, she specializes in finding solutions for clients who've been told "no" elsewhere. "If you get denied somewhere, always hit me up," she encourages, "but come to me first."
The conversation shatters common mortgage myths that prevent many from pursuing homeownership. Think your credit score is too low? Kimberly works with programs accepting scores as low as 500. Worried about your recent job change or bankruptcy? These may not be the roadblocks you imagine. Perhaps most surprising: your college years actually count toward employment history when qualifying for a mortgage if you're working in a related field.
What truly sets Kimberly apart is her accessibility. While banks close at 5 PM, she's answering calls at 9:30 PM because "that's when people are off work or trying to look into this sort of stuff." This commitment extends to her diverse service offerings—from first-time homebuyer programs to VA loans, construction financing, and even commercial mortgages.
Ready to discover what's possible with your home financing? Connect with Kimberly Mashek at 308-249-6441 or find her on social media and at MASHMortgagePros.com, Licensed in Colorado, Wyoming, Nebraska, Florida, and Texas, she's breaking down barriers to homeownership one client at a time.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
This is the Good Neighbor Podcast, the place
where local businesses andneighbors come together.
Here's your host, Nick George.
Speaker 2 (00:12):
Welcome to the Good Neighbor Podcast.
Are you in need of a goodmortgage person?
Well, one might be closer thanyou think.
Today I have the great pleasureof introducing your good
neighbor, kimberly Masek, withNexa Mortgage.
Kimberly, how's it going?
Good, how are you today?
Good, tell us all about yourmortgage business.
Speaker 3 (00:34):
Well, I am a mortgage broker, so a lot of people
don't know what that means.
But basically what that meansis I can shop out the deals for
you, so get you the best dealpossible, no matter what the
situation is.
I have over 250 lenders to shopout.
So if you get denied somewheremaybe you started somewhere else
always hit me up, but come tome first.
(00:56):
I prefer that, but I'mavailable all the time.
As a mortgage broker.
I'm not a nine to five.
I'm not like your typical banks, so I'm available.
I'm not a nine to five.
I'm not like your typical banks, so I'm available evenings and
weekends, when a lot of peopleare typically shopping, and I do
answer my phone.
So I've been hearing a lot oftimes lately that people aren't
getting calls back from theirlender or their broker or
(01:17):
whatever, and I find that crazy.
So if you want somebody who'sgot your back, come to me.
Speaker 2 (01:27):
How did you end up here?
How did you become a mortgagebroker in the first place?
Where'd you start?
Speaker 3 (01:32):
Long story short, my background is accounting, so I
was an accountant for 18 yearsapproximately and I kind of was
just getting burnt out on it.
And so I was talking to myfriend at one point who owns his
own business and mortgage, andhe was talking to me about it
and kind of convinced me to signup or take a look at it at
(01:53):
least, and so I did.
I was planning on making it apart-time gig.
This was during COVID 2020.
So I was like you know, I coulduse something else in my life
and so, long story short, I waslike you know, I could use
something else in my life and so, long story short, I was
planning to move over to abrewery and do operations or
finance there, and during COVID,of course, all that changed and
(02:15):
so they alternated what theywere looking for and kind of
internally hired that position,which was great.
I passed my test to do this andgot laid off my job the very
next week.
So the part time position kindof turned into full time and
I've loved it ever since.
I was not a my personality isnot a behind the desk type
(02:38):
person.
I'm very much people orientedand I love helping people, so
this kind of fell into my lap atthe right time.
I wish sooner to be honest, andhere we are.
Speaker 2 (02:51):
Well, you have a great attitude for jumping into
the industry at a time that wasnot its bright spot right as far
as interest rates, so you cutyour teeth on learning all of
this at a time that wasn't aneasy time for mortgage brokers.
Speaker 3 (03:09):
Well, it actually was super easy because interest
rates were in the twos andthrees and people were buying
and refining like crazy.
So I got thrown into the firepretty much.
Speaker 2 (03:20):
Oh, okay, I thought that you started after those
good times were over.
Speaker 3 (03:25):
No, I started right in the middle of it all, which
was great.
It kind of taught me what busycan be and what it can look like
.
Speaker 2 (03:33):
Right.
What are some myths ormisconceptions in your industry?
Speaker 3 (03:39):
I would say that it's hard to get into a mortgage and
that we always know what theinterest rates are.
I wish I knew what the interestrates were going to be in a
couple of weeks, because I getthat question all the time and I
love that question.
But if I knew that answer, Iprobably would not be doing this
role.
I'd be a millionaire and thenhard to get into?
(04:03):
It's really not.
I'd be a millionaire and thenhard to get into it's really not
(04:27):
.
If you have the right person,you know to kind of hold your
hand, walk you through it, whichis kind of my favorite part is
repeat it 20 times, I don't care.
I like having that knowledgewith my client and however much
they want to grasp on or holdonto is fine.
I think the misconception, thebiggest one, is that it's hard
to get into and there's a lot ofpaperwork and there's all this
stuff that comes into it.
But our applications andwhatnot are all online.
You can upload documentsdirectly at the end or to a
(04:49):
Google Drive or however youprefer, and the hard part's on
me, it shouldn't be on you.
Speaker 2 (04:56):
What about from the customer's perspective?
What are some concerns that youdispel that customers have
before they ever get to talk toyou about calling a mortgage
person?
Speaker 3 (05:07):
Well, I think a couple big ones are I just
graduated from college.
I don't have a job yet.
I can't get qualified foranything and I that's completely
opposite.
Your, your student career, likeyour four, six years, however
long it took actually countstowards your um, your two years
(05:28):
history of work, if you're infact going into that, that same
career you know um.
Another thing is you know Ideclared bankruptcy or I just
started a new job, or my FICOscore is too low.
We can go down to a 550 in somecases, 580 in a lot of others,
(05:50):
and I'm actually talking tosomebody right now for a down
payment assistance loan at a 580.
So don't think that you can't.
I guess the biggest thing Iwould say to people is just call
, whether it's me or somebodyelse that you may know.
Call and ask, because you neverknow, and even if you can't get
approved right now, we can helpget you on the right path,
(06:13):
whether that's paying downcertain debts which a lot of
people think they have to payeverything completely off.
People think they have to payeverything completely off.
Sometimes that's not the case.
So give me or someone you know,call and and just see where
you're at.
You never know.
Speaker 2 (06:27):
We know that marketing is the heart of every
business and we also know thatin your business sometimes we
just have to call leads that weget.
But are you marketing yourselfactively outside of the lead
process and how are you doingthat now and who is your target
client, your target demographic?
Speaker 3 (06:49):
I probably could do better marketing myself.
Um, I'm not one that likes todo selfies and videos a whole
lot, but I've gotten better withthat on my youtube channel and
whatnot.
I don't typically market toanyone specific.
I don't like to put myself in abox because we can do so many
different products and programsthat I don't like to.
(07:10):
I don't like to hinder that inthe fact of I don't want people
to think I just do that.
So I help first time homebuyers, I help veterans, I help
people in rural areas, I helppeople looking to actually build
, because we have one time closewhich includes construction.
So reverse, I mean we have itall.
So I don't really I don'treally like to market to a
(07:32):
specific person.
When I do my posts and stuff onsocial, I usually am all over
the place with it, in a sense,of what I offer.
So again, if there's a need fora mortgage loan or even
commercial I do commercial aswell Just reach out and ask,
because you never know.
Speaker 2 (07:51):
Oh, you do do commercial as well.
That's good.
Speaker 3 (07:54):
Yeah, not many mortgage brokers can, but I have
the ability here at Nexa to beable to do that.
Speaker 2 (08:00):
So, and for those of you that don't know, nexa is
spelled N-E-X-A.
Yes, he's got the shirt on.
Speaker 3 (08:11):
It's backwards in here, but you know.
Speaker 2 (08:14):
Kim, we have you ever thought about doing your own
podcast?
Speaker 3 (08:20):
You know I haven't.
Like I said, I started YouTubechannel which, unfortunately, I
haven't been as consistent as Iwould like to with just
information, educational stuffabout different programs and how
you can get yourself to thatapproval stage, and you know
things of that nature that I tryto post every other week.
I'm not like I'm not supergreat at being consistent with
(08:44):
it lately, but yeah, podcasts Ihaven't.
I have a hard time thinking ofwhat to say sometimes and where
to start, so no, that's thebeauty, I'm guessing once you.
yeah, I was like I'm guessingonce you, once you start it,
then maybe you get people askingquestions, which then leads to
the next sort of thing.
(09:04):
So I should consider that alittle bit more.
What do you do for fun?
Oh boy, anything outside.
That's why I'm not lookingforward to this colder weather.
I like to golf sand volleyballis huge part of our life Patio
breweries I'm pretty active, soI like to trail run and hike and
(09:29):
all of those things.
I've started getting back intothe volunteer realm, so just
anything outdoors you could findme doing probably.
Speaker 2 (09:42):
Kim, what is one major takeaway that people
should remember about ourpodcast today regarding you and
Nexa?
Speaker 3 (09:51):
Well, I would just say that I am always available
for you.
I know I'm not supposed to saythat people are always like
don't ever say that, don't pickup your phone after a certain
time.
But unfortunately, you know,I've answered calls at nine,
nine, 30 at night before,because that's when people are
off work or or trying to lookinto this sort of stuff.
Um, and then also, just don'tthink that you can't do it.
(10:13):
Uh, cause I've gotten.
I've talked to quite a few of my, of my leads who were kind of
pushing me off, pushing me offsaying I can't do it right now
and I'm like, why, if you don'tmind me asking why, and they'll
tell me.
And you know I one of them wascredit score.
They thought that they were toolow.
And the other one is like, well, I got denied by a bank, so I
(10:39):
can't do it.
And I was like, well, theycan't do what I can do, so let's
take a look.
So you know, if you're lookingto buy and you know, think maybe
you can't just give me a calland we can chat about it and
maybe you're right, maybe youhave to wait a little bit, but
maybe you aren't right and youcan get into how sooner than you
think.
Speaker 2 (10:55):
Kim, what are all of the ways that people can learn
about and get in touch with youon social media, website and the
old fashioned way?
Speaker 3 (11:06):
touch with you on social media website and the old
fashioned way.
Well, I definitely have all thesocials Insta, facebook, all
that.
I have a Facebook page as well,called MASH Mortgage Pros, so
they can get on there and learna few things.
There's some Q&A on there.
There's a calendar link whereyou can set up a time with me,
but I don't require that.
If you've got questions, reachout, text me, email me, call me.
(11:29):
If I'm not available, I'm veryquick to call you back as soon
as I have a free chance.
And what's a good phone number?
308-249-6441.
Nebraska number.
That's where I was born andraised and, by the way, I am
licensed in States other thanColorado.
I'm also in Wyoming, nebraska,florida and Texas.
(11:51):
So you know, if you've gotfriends and family in those
areas that are looking as well,I would love to help them.
Speaker 2 (11:58):
And guys, the last name, Meshack, is spelled.
That can't see this on video isspelled M-A-S-H-E-K and Kim.
We really appreciate you beingon the show and we wish you and
Nexa Mortgage the very bestmoving forward.
Speaker 3 (12:13):
Well, I appreciate you having me on here today.
Thank you so much.
Speaker 1 (12:21):
It was great to be on and chat with you a little bit.
Thank you for listening to theGood Neighbor podcast.
To nominate your favorite localbusinesses to be featured on
the show, go tognpfortcollinscom.
That's gnpfortcollinscom.
Or call 970-438-0108.
This is the Good Neighbor Podcast, the place
where local businesses andneighbors come together.
Here's your host, Nick George.
Speaker 2 (00:12):
Welcome to the Good Neighbor Podcast.
Are you in need of a goodmortgage person?
Well, one might be closer thanyou think.
Today I have the great pleasureof introducing your good
neighbor, kimberly Masek, withNexa Mortgage.
Kimberly, how's it going?
Good, how are you today?
Good, tell us all about yourmortgage business.
Speaker 3 (00:34):
Well, I am a mortgage broker, so a lot of people
don't know what that means.
But basically what that meansis I can shop out the deals for
you, so get you the best dealpossible, no matter what the
situation is.
I have over 250 lenders to shopout.
So if you get denied somewheremaybe you started somewhere else
always hit me up, but come tome first.
(00:56):
I prefer that, but I'mavailable all the time.
As a mortgage broker.
I'm not a nine to five.
I'm not like your typical banks, so I'm available.
I'm not a nine to five.
I'm not like your typical banks, so I'm available evenings and
weekends, when a lot of peopleare typically shopping, and I do
answer my phone.
So I've been hearing a lot oftimes lately that people aren't
getting calls back from theirlender or their broker or
(01:17):
whatever, and I find that crazy.
So if you want somebody who'sgot your back, come to me.
Speaker 2 (01:27):
How did you end up here?
How did you become a mortgagebroker in the first place?
Where'd you start?
Speaker 3 (01:32):
Long story short, my background is accounting, so I
was an accountant for 18 yearsapproximately and I kind of was
just getting burnt out on it.
And so I was talking to myfriend at one point who owns his
own business and mortgage, andhe was talking to me about it
and kind of convinced me to signup or take a look at it at
(01:53):
least, and so I did.
I was planning on making it apart-time gig.
This was during COVID 2020.
So I was like you know, I coulduse something else in my life
and so, long story short, I waslike you know, I could use
something else in my life and so, long story short, I was
planning to move over to abrewery and do operations or
finance there, and during COVID,of course, all that changed and
(02:15):
so they alternated what theywere looking for and kind of
internally hired that position,which was great.
I passed my test to do this andgot laid off my job the very
next week.
So the part time position kindof turned into full time and
I've loved it ever since.
I was not a my personality isnot a behind the desk type
(02:38):
person.
I'm very much people orientedand I love helping people, so
this kind of fell into my lap atthe right time.
I wish sooner to be honest, andhere we are.
Speaker 2 (02:51):
Well, you have a great attitude for jumping into
the industry at a time that wasnot its bright spot right as far
as interest rates, so you cutyour teeth on learning all of
this at a time that wasn't aneasy time for mortgage brokers.
Speaker 3 (03:09):
Well, it actually was super easy because interest
rates were in the twos andthrees and people were buying
and refining like crazy.
So I got thrown into the firepretty much.
Speaker 2 (03:20):
Oh, okay, I thought that you started after those
good times were over.
Speaker 3 (03:25):
No, I started right in the middle of it all, which
was great.
It kind of taught me what busycan be and what it can look like
.
Speaker 2 (03:33):
Right.
What are some myths ormisconceptions in your industry?
Speaker 3 (03:39):
I would say that it's hard to get into a mortgage and
that we always know what theinterest rates are.
I wish I knew what the interestrates were going to be in a
couple of weeks, because I getthat question all the time and I
love that question.
But if I knew that answer, Iprobably would not be doing this
role.
I'd be a millionaire and thenhard to get into?
(04:03):
It's really not.
I'd be a millionaire and thenhard to get into it's really not
(04:27):
.
If you have the right person,you know to kind of hold your
hand, walk you through it, whichis kind of my favorite part is
repeat it 20 times, I don't care.
I like having that knowledgewith my client and however much
they want to grasp on or holdonto is fine.
I think the misconception, thebiggest one, is that it's hard
to get into and there's a lot ofpaperwork and there's all this
stuff that comes into it.
But our applications andwhatnot are all online.
You can upload documentsdirectly at the end or to a
(04:49):
Google Drive or however youprefer, and the hard part's on
me, it shouldn't be on you.
Speaker 2 (04:56):
What about from the customer's perspective?
What are some concerns that youdispel that customers have
before they ever get to talk toyou about calling a mortgage
person?
Speaker 3 (05:07):
Well, I think a couple big ones are I just
graduated from college.
I don't have a job yet.
I can't get qualified foranything and I that's completely
opposite.
Your, your student career, likeyour four, six years, however
long it took actually countstowards your um, your two years
(05:28):
history of work, if you're infact going into that, that same
career you know um.
Another thing is you know Ideclared bankruptcy or I just
started a new job, or my FICOscore is too low.
We can go down to a 550 in somecases, 580 in a lot of others,
(05:50):
and I'm actually talking tosomebody right now for a down
payment assistance loan at a 580.
So don't think that you can't.
I guess the biggest thing Iwould say to people is just call
, whether it's me or somebodyelse that you may know.
Call and ask, because you neverknow, and even if you can't get
approved right now, we can helpget you on the right path,
(06:13):
whether that's paying downcertain debts which a lot of
people think they have to payeverything completely off.
People think they have to payeverything completely off.
Sometimes that's not the case.
So give me or someone you know,call and and just see where
you're at.
You never know.
Speaker 2 (06:27):
We know that marketing is the heart of every
business and we also know thatin your business sometimes we
just have to call leads that weget.
But are you marketing yourselfactively outside of the lead
process and how are you doingthat now and who is your target
client, your target demographic?
Speaker 3 (06:49):
I probably could do better marketing myself.
Um, I'm not one that likes todo selfies and videos a whole
lot, but I've gotten better withthat on my youtube channel and
whatnot.
I don't typically market toanyone specific.
I don't like to put myself in abox because we can do so many
different products and programsthat I don't like to.
(07:10):
I don't like to hinder that inthe fact of I don't want people
to think I just do that.
So I help first time homebuyers, I help veterans, I help
people in rural areas, I helppeople looking to actually build
, because we have one time closewhich includes construction.
So reverse, I mean we have itall.
So I don't really I don'treally like to market to a
(07:32):
specific person.
When I do my posts and stuff onsocial, I usually am all over
the place with it, in a sense,of what I offer.
So again, if there's a need fora mortgage loan or even
commercial I do commercial aswell Just reach out and ask,
because you never know.
Speaker 2 (07:51):
Oh, you do do commercial as well.
That's good.
Speaker 3 (07:54):
Yeah, not many mortgage brokers can, but I have
the ability here at Nexa to beable to do that.
Speaker 2 (08:00):
So, and for those of you that don't know, nexa is
spelled N-E-X-A.
Yes, he's got the shirt on.
Speaker 3 (08:11):
It's backwards in here, but you know.
Speaker 2 (08:14):
Kim, we have you ever thought about doing your own
podcast?
Speaker 3 (08:20):
You know I haven't.
Like I said, I started YouTubechannel which, unfortunately, I
haven't been as consistent as Iwould like to with just
information, educational stuffabout different programs and how
you can get yourself to thatapproval stage, and you know
things of that nature that I tryto post every other week.
I'm not like I'm not supergreat at being consistent with
(08:44):
it lately, but yeah, podcasts Ihaven't.
I have a hard time thinking ofwhat to say sometimes and where
to start, so no, that's thebeauty, I'm guessing once you.
yeah, I was like I'm guessingonce you, once you start it,
then maybe you get people askingquestions, which then leads to
the next sort of thing.
(09:04):
So I should consider that alittle bit more.
What do you do for fun?
Oh boy, anything outside.
That's why I'm not lookingforward to this colder weather.
I like to golf sand volleyballis huge part of our life Patio
breweries I'm pretty active, soI like to trail run and hike and
(09:29):
all of those things.
I've started getting back intothe volunteer realm, so just
anything outdoors you could findme doing probably.
Speaker 2 (09:42):
Kim, what is one major takeaway that people
should remember about ourpodcast today regarding you and
Nexa?
Speaker 3 (09:51):
Well, I would just say that I am always available
for you.
I know I'm not supposed to saythat people are always like
don't ever say that, don't pickup your phone after a certain
time.
But unfortunately, you know,I've answered calls at nine,
nine, 30 at night before,because that's when people are
off work or or trying to lookinto this sort of stuff.
Um, and then also, just don'tthink that you can't do it.
(10:13):
Uh, cause I've gotten.
I've talked to quite a few of my, of my leads who were kind of
pushing me off, pushing me offsaying I can't do it right now
and I'm like, why, if you don'tmind me asking why, and they'll
tell me.
And you know I one of them wascredit score.
They thought that they were toolow.
And the other one is like, well, I got denied by a bank, so I
(10:39):
can't do it.
And I was like, well, theycan't do what I can do, so let's
take a look.
So you know, if you're lookingto buy and you know, think maybe
you can't just give me a calland we can chat about it and
maybe you're right, maybe youhave to wait a little bit, but
maybe you aren't right and youcan get into how sooner than you
think.
Speaker 2 (10:55):
Kim, what are all of the ways that people can learn
about and get in touch with youon social media, website and the
old fashioned way?
Speaker 3 (11:06):
touch with you on social media website and the old
fashioned way.
Well, I definitely have all thesocials Insta, facebook, all
that.
I have a Facebook page as well,called MASH Mortgage Pros, so
they can get on there and learna few things.
There's some Q&A on there.
There's a calendar link whereyou can set up a time with me,
but I don't require that.
If you've got questions, reachout, text me, email me, call me.
(11:29):
If I'm not available, I'm veryquick to call you back as soon
as I have a free chance.
And what's a good phone number?
308-249-6441.
Nebraska number.
That's where I was born andraised and, by the way, I am
licensed in States other thanColorado.
I'm also in Wyoming, nebraska,florida and Texas.
(11:51):
So you know, if you've gotfriends and family in those
areas that are looking as well,I would love to help them.
Speaker 2 (11:58):
And guys, the last name, Meshack, is spelled.
That can't see this on video isspelled M-A-S-H-E-K and Kim.
We really appreciate you beingon the show and we wish you and
Nexa Mortgage the very bestmoving forward.
Speaker 3 (12:13):
Well, I appreciate you having me on here today.
Thank you so much.
Speaker 1 (12:21):
It was great to be on and chat with you a little bit.
Thank you for listening to theGood Neighbor podcast.
To nominate your favorite localbusinesses to be featured on
the show, go tognpfortcollinscom.
That's gnpfortcollinscom.
Or call 970-438-0108.
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!