Lifestyle
Mortgage Brokers are now Making the Borrowing Process Easy for People
Taking help of a mortgage broker is making the borrowing process a whole lot easier for people. It helps more when you are borrowing money for the first time. If you have any loan related issues or even questions, a mortgage broker can take care of that for you. The primary function of a mortgage broker is to find you the lender who suits your needs and conditions.
He will also take care of your financial requirements, such as a preference for a lower down payment or the best interest rate possible. An experienced broker comes in handy because he can solve your problems better. If you are seeking a Federal Housing Administration (FHA) or Veterans Affairs (VA) loan, then a mortgage broker with experience in working with veterans, like Think Plutus, can be useful. Even if he isn’t experienced he should understand the requirements for FHA loans, can simplify the process.
Another benefit of having a broker is variety. Using a suitable mortgage broker helps you find the right lender for your specific needs. Your specific needs meaning your situation in terms of your credit profile or the property is unusual.
David Reiss, a law professor who specializes in real estate and consumer financial services at Brooklyn Law School in New York and the editor of REFinBlog.com., said that various brokers specialize in particular property types. Some are flexible to credit score and some aren’t. Some are flexible with down payment amounts and others aren’t. You should those choose your broker wisely.
Having a mortage broker has many advantages, starting from not going directly to a lender to obtain a mortgage to saving money. Consumers can save money during the process by obtaining more loan options and deciding on the best. It is better if there is a broker who can explain them the process.
Lifestyle
Kristien Surya Jewelry: A New Standard in Affordable Luxury Jewelry
Byline: Sarah Kingston-Powell
Kristien Surya Jewelry combines cultural heritage with contemporary design from its Newport Beach headquarters. Launched in November 2023, the brand draws from Western, Indian, Chinese, and Islamic design elements. The signature pieces include the Hamsa hands collection with natural gemstones and the organically shaped Sunyata series, both crafted in sterling silver, solid 14K, and 18K gold.
“Each piece tells a story of cultural connection through carefully selected materials and meaningful symbolism,” says founder Kristien, who bootstrapped the company as its sole angel investor.
Social Impact Through Accessible Pricing
Despite its recent launch, the brand experienced significant early success, reflecting strong consumer interest. With global shipping and plans to expand its reach, Kristien Surya Jewelry is poised to attract an international audience that values culturally meaningful and socially responsible luxury.
While fine jewelry typically commands premium prices, Kristien Surya offers installment payment options and competitive pricing without compromising materials or craftsmanship.
A portion of sales supports the National Pediatric Cancer Association’s Sunshine Project, which develops non-toxic cancer treatments for children. Proceeds also help fund education and fair wage initiatives for women and children facing economic hardships.
Sustainability and Customization Focus
The brand’s ECO-LOVE Program incorporates lab-grown gems alongside natural stones, addressing growing consumer interest in sustainable luxury goods. Market research from McKinsey indicates that 73% of millennials are willing to spend more on sustainable brands.
“We select natural gemstones and crystals not just for aesthetics, but for their unique properties that promote emotional and spiritual well-being,” Sun explains. Customers can personalize their amulets by choosing specific gemstones, creating individual meaning for each piece.
Market Strategy and Growth
Currently serving North America through its e-commerce platform, Kristien Surya plans to expand to additional online marketplaces. “Our goal is more than about selling jewelry—we’re building a brand that celebrates diverse cultural heritage while making fine jewelry accessible to more people,” says Kristien. The company maintains a strong social media presence on Instagram and Facebook to engage with customers and showcase its cultural influences.
Kristien Surya Jewelry sets itself apart with its focus on cultural inspiration, sustainability, and social impact. Leveraging digital platforms like Instagram and Facebook, the brand aims to foster a vibrant online community. Special promotions, such as Blind Box Gifts for early followers, enhance its engagement strategy.
Design Philosophy and Production
Each collection draws inspiration from specific cultural elements: Western philosophical traditions, Indian spirituality, Chinese harmony concepts, and Islamic artistic patterns. The manufacturing process combines traditional craftsmanship with modern production techniques to maintain quality while achieving competitive pricing.
The Hamsa hands collection features double gemstone settings—an innovation within its price category. Production standards match luxury specifications: all pieces undergo multiple quality control checks and come with authentication certificates.
Future Developments
Kristien Surya plans to introduce new collections quarterly while maintaining its core design philosophy. The company’s near-term objectives include expanding its online presence and developing additional customization options for customers.
The brand recently began developing partnerships with retail locations in major U.S. cities, though specific details remain private. Current data suggests strong market potential for culturally-inspired fine jewelry at accessible price points, particularly among millennial and Gen Z consumers who prioritize meaning and value in their purchases.
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