--- title: The Lincoln Lending Blog | Kelly Pensoneau --- [![lincolnok](https://resources.lincolnok.com/hubfs/LincolnLending_January2019/Images/logo.jpg)](https://lincolnok.com/) - [Why Lincoln](https://lincolnok.com/why-lincoln) - Resources - [Our Blog](https://resources.lincolnok.com/blog) - [Customer Successes](https://www.lincolnok.com/customer-successes) - [Home Loan Coach Session](https://www.lincolnok.com/home-loan-coach-session) - [Downloads](https://www.lincolnok.com/downloads) - [Careers](https://www.lincolnok.com/careers) - [FAQs](https://www.lincolnok.com/faqs) - Loans - [Conventional Loan](https://www.lincolnok.com/conventional-home-loan) - [FHA Loan](https://www.lincolnok.com/fha-home-loan) - [HUD-184 Loan](https://www.lincolnok.com/hud184-home-loan) - [Jumbo Loan](https://www.lincolnok.com/jumbo-home-loan) - [USDA/RD Loan](https://www.lincolnok.com/usdard-home-loan) - [VA Loan](https://www.lincolnok.com/va-home-loan) - [Our Team](https://www.lincolnok.com/our-team) - [Contact](https://www.lincolnok.com/contact) - [Get Pre-Approved](https://lincolnok.floify.com/) - [Why Lincoln](https://lincolnok.com/why-lincoln) - Resources - [Our Blog](https://resources.lincolnok.com/blog) - [Customer Successes](https://www.lincolnok.com/customer-successes) - [Home Loan Coach Session](https://www.lincolnok.com/home-loan-coach-session) - [Downloads](https://www.lincolnok.com/downloads) - [Careers](https://www.lincolnok.com/careers) - [FAQs](https://www.lincolnok.com/faqs) - Loans - [Conventional Loan](https://www.lincolnok.com/conventional-home-loan) - [FHA Loan](https://www.lincolnok.com/fha-home-loan) - [HUD-184 Loan](https://www.lincolnok.com/hud184-home-loan) - [Jumbo Loan](https://www.lincolnok.com/jumbo-home-loan) - [USDA/RD Loan](https://www.lincolnok.com/usdard-home-loan) - [VA Loan](https://www.lincolnok.com/va-home-loan) - [Our Team](https://www.lincolnok.com/our-team) - [Contact](https://www.lincolnok.com/contact) - [Get Pre-Approved](https://lincolnok.floify.com/) # The Lincoln Lending Blog We respect your privacy. Posts by Kelly Pensoneau [![1](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/1.png?width=566&name=1.png)](https://resources.lincolnok.com/blog/how-long-is-the-homebuying-process) ## [How Long is The Homebuying Process?](https://resources.lincolnok.com/blog/how-long-is-the-homebuying-process) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) August 03, 2026 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/4%20Tips%20for%20Negotiating%20the%20Best%20Home%20Price.png?width=566&name=4%20Tips%20for%20Negotiating%20the%20Best%20Home%20Price.png)](https://resources.lincolnok.com/blog/4-tips-for-negotiating-the-best-home-price-1) ## [4 Tips for Negotiating the Best Home Price](https://resources.lincolnok.com/blog/4-tips-for-negotiating-the-best-home-price-1) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) August 03, 2026 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/Lincoln%20Article%20Thumbnails%20-%202-3.png?width=566&name=Lincoln%20Article%20Thumbnails%20-%202-3.png)](https://resources.lincolnok.com/blog/can-i-use-my-tax-refund-for-that) ## [Can I Use My Tax Refund For That?](https://resources.lincolnok.com/blog/can-i-use-my-tax-refund-for-that) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) June 02, 2022 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/Lincoln%20Article%20Thumbnails%20-%202-1.png?width=566&name=Lincoln%20Article%20Thumbnails%20-%202-1.png)](https://resources.lincolnok.com/blog/is-your-client-ready-to-buy-a-home) ## [Is Your Client Ready to Buy a Home?](https://resources.lincolnok.com/blog/is-your-client-ready-to-buy-a-home) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) March 01, 2022 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/HUD-184%20Loans.png?width=566&name=HUD-184%20Loans.png)](https://resources.lincolnok.com/blog/hud-184-loans-why-theyre-a-great-option-for-native-americans) ## [HUD-184 Loans: Why They’re a Great Option for Native Americans](https://resources.lincolnok.com/blog/hud-184-loans-why-theyre-a-great-option-for-native-americans) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) April 28, 2021 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/What%20is%20Earnest%20Money%2c%20and%20Whats%20the%20Best%20Way%20to%20Provide%20it.png?width=566&name=What%20is%20Earnest%20Money,%20and%20Whats%20the%20Best%20Way%20to%20Provide%20it.png)](https://resources.lincolnok.com/blog/what-is-earnest-money-and-whats-the-best-way-to-provide-it) ## [What is Earnest Money, and What's the Best Way to Provide it?](https://resources.lincolnok.com/blog/what-is-earnest-money-and-whats-the-best-way-to-provide-it) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) December 28, 2020 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/Should%20I%20Cosign%20a%20Mortgage%20for%20a%20Friend%20or%20Loved%20One.png?width=566&name=Should%20I%20Cosign%20a%20Mortgage%20for%20a%20Friend%20or%20Loved%20One.png)](https://resources.lincolnok.com/blog/should-i-cosign-a-mortgage-for-a-friend-or-loved-one) ## [Should I Cosign a Mortgage for a Friend or Loved One?](https://resources.lincolnok.com/blog/should-i-cosign-a-mortgage-for-a-friend-or-loved-one) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) December 21, 2020 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/What%20Happens%20During%20a%20Foreclosure%2c%20and%20How%20Will%20It%20Impact%20Me.png?width=566&name=What%20Happens%20During%20a%20Foreclosure,%20and%20How%20Will%20It%20Impact%20Me.png)](https://resources.lincolnok.com/blog/what-happens-during-a-foreclosure-and-how-will-it-impact-me) ## [What Happens During a Foreclosure, and How Will It Impact Me?](https://resources.lincolnok.com/blog/what-happens-during-a-foreclosure-and-how-will-it-impact-me) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) December 14, 2020 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/What%20Is%20An%20ITIN%20Loan%20And%20How%20Do%20I%20Know%20If%20Im%20Eligible.png?width=566&name=What%20Is%20An%20ITIN%20Loan%20And%20How%20Do%20I%20Know%20If%20Im%20Eligible.png)](https://resources.lincolnok.com/blog/what-is-an-itin-loan-and-how-do-i-know-if-im-eligible) ## [What Is An ITIN Loan, And How Do I Know If I'm Eligible?](https://resources.lincolnok.com/blog/what-is-an-itin-loan-and-how-do-i-know-if-im-eligible) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) December 07, 2020 [![](https://resources.lincolnok.com/hs-fs/hubfs/Article%20Thumbnail/How%20Will%20Child%20Support%20and%20Alimony%20Affect%20my%20Mortgage%20Eligibility.png?width=566&name=How%20Will%20Child%20Support%20and%20Alimony%20Affect%20my%20Mortgage%20Eligibility.png)](https://resources.lincolnok.com/blog/how-will-child-support-and-alimony-affect-my-mortgage-eligibility) ## [How Will Child Support and Alimony Affect my Mortgage Eligibility?](https://resources.lincolnok.com/blog/how-will-child-support-and-alimony-affect-my-mortgage-eligibility) [Kelly Pensoneau](https://resources.lincolnok.com/blog/author/kelly-pensoneau) September 23, 2020 [All posts](https://resources.lincolnok.com/blog/all) [Next](https://resources.lincolnok.com/blog/author/kelly-pensoneau/page/2) [Facebook0](https://www.facebook.com/sharer/sharer.php?u=https://resources.lincolnok.com/blog/author/kelly-pensoneau/page/1) [Twitter](https://twitter.com/intent/tweet?url=https://resources.lincolnok.com/blog/author/kelly-pensoneau/page/1&text=) [Pinterest0](https://www.pinterest.com/pin/create/link/?description=&media=&url=https://resources.lincolnok.com/blog/author/kelly-pensoneau/page/1) ### 405-799-5363  - 116 W Main St, Norman, OK 73069  [info@lincolnok.com  ](mailto:info@lincolnok.com) © 2026 Lincoln Lending All Rights Reserved.