Kurtis Kooiman is a Real Estate Wealth Advisor, Loan Advisor, and Realtor® with 30 years of experience in residential lending and real estate. He is also a Dave Ramsey trained Financial Counselor with a background in mortgage planning, real estate investing, life and health insurance, and public speaking.
When Kurtis entered the mortgage and real estate business in 1996, he expected to build a career helping people make better financial decisions. Over time, however, he noticed that many responsible homeowners continued to struggle despite earning good incomes, building equity, and trying to make prudent decisions. Their homes were often their largest assets, yet their mortgage and home equity were rarely incorporated into a meaningful long-term financial strategy.
A turning point came when Kurtis attended a conference in Virginia with accomplished mortgage, real estate, and financial professionals who challenged many conventional beliefs about debt, homeownership, and wealth. That experience changed how he viewed real estate, not simply as a place to live or an asset to pay off as quickly as possible, but as a financial tool that, when used responsibly, can help create liquidity, improve cash flow, generate income, and support a more secure retirement.
Since then, Kurtis has helped hundreds of families evaluate their mortgages, real estate, equity, and financial habits from a more strategic perspective. His approach does not assume that one solution is right for everyone. Some homeowners may benefit from eliminating debt, while others may be better served by maintaining liquidity, investing in additional real estate, restructuring existing debt, or responsibly accessing home equity through a traditional refinance, HELOC, home-equity loan, or reverse mortgage.
Kurtis believes financial strategies must account for more than numbers. Income, spending habits, risk tolerance, family circumstances, retirement goals, and personal peace of mind all matter. His role is to help people understand their options, challenge outdated assumptions, and make informed decisions consistent with their individual goals.
His mission is to educate homeowners about the important role that real estate, home equity, and mortgage planning can play in building, accessing, and preserving long-term wealth.
1 topic · no fee, no honorarium, no mileage
Review available topics below. Use the “Request This Free Speech” button and fill out the contact form. Kurtis contacts you to discuss the details of the request.
Real estate is often a person’s largest asset, but many homeowners never learn how to incorporate it into a broader strategy for building and preserving wealth.
In this presentation, Kurtis Kooiman draws upon 30 years of experience in residential lending and real estate to explain how homeownership, mortgage planning, investment property, and home equity can work together as part of a long-term financial strategy.
There is no single approach that is right for everyone. Paying off a mortgage may be appropriate for one homeowner, while another may benefit from maintaining liquidity, purchasing investment property, investing conservatively, restructuring debt, downsizing, or responsibly accessing equity. The appropriate strategy depends on financial habits, cash flow, risk tolerance, family circumstances, short and long-term goals.
In this presentation, attendees will learn:
• How real estate can help build, access, and preserve wealth
• Why the right mortgage strategy depends on more than the interest rate
• How liquidity, cash flow, appreciation, equity, and leverage work together
• The potential benefits and risks of refinancing and accessing home equity
• The differences among traditional mortgages, HELOCs, home-equity loans, and reverse mortgages
• Common misconceptions about mortgages and home equity
• How to evaluate whether buying, selling, holding, investing, downsizing, or paying off a mortgage makes sense
• The questions to ask before making an important real-estate or mortgage decision
Attendees will leave with a clearer understanding of the role real estate can play in their financial future and a practical framework for evaluating their available options.
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