Taras is licensed in the state of Washington and California. Our team strives towards excellence and providing a world class mortgage experience for every client. His primary job is to oversee the teams function, mortgage planning, mortgage program decisions, rate lock decisions, and updating the real estate agent. Ali has a background in Real Estate and Escrow that has proven to be invaluable asset to our team.
She is the front-line support for our clients, helping them to complete their applications and set their loans set up for success.
She is the front-line support for our clients, helping them to complete their applications and set their loans set up for success.
Services
1031 Exchange- a tax-deferred exchange of real estate employed tooffset or even avoid capital gains tax.
15-Year Fixed Mortgage- a fixed-rate home loan that has half the typical term of 30 years.
203k Loan- an FHA loan that allows you to finance home improvements and permanent financing in a single mortgage loan.
5/1 ARM- An ARM that doesn't have its first adjustment until year six, and then adjusts once annually thereafter.
Adjustable-Rate Mortgage (ARM)- a mortgage with a variable interest rate, which adjusts monthly, biannually, or annually.
15-Year Fixed Mortgage- a fixed-rate home loan that has half the typical term of 30 years.
203k Loan- an FHA loan that allows you to finance home improvements and permanent financing in a single mortgage loan.
5/1 ARM- An ARM that doesn't have its first adjustment until year six, and then adjusts once annually thereafter.
Adjustable-Rate Mortgage (ARM)- a mortgage with a variable interest rate, which adjusts monthly, biannually, or annually.
Military homebuyers and veterans can take full advantage of a VA Home Loan Program, one of the strongest mortgage programs that have ever existed.
Able to Reuse.
You have the ability to use your full VA entitlement as many times as you'd like as long as you pay off the loan each time.
You may also have the option to obtain another VA loan even if you've lost one to foreclosure or currently have one.
Only for certain types of homes. If you're planning to buy a working farm, a downtown deli, or a fixer-upper, the VA loan may not be the program for you.
Able to Reuse.
You have the ability to use your full VA entitlement as many times as you'd like as long as you pay off the loan each time.
You may also have the option to obtain another VA loan even if you've lost one to foreclosure or currently have one.
Only for certain types of homes. If you're planning to buy a working farm, a downtown deli, or a fixer-upper, the VA loan may not be the program for you.
The Washington State USDA Home Loan is a great option for Puget Soundhome buyers.
Officially known as the Section 502 Single Family Housing Guaranteed Loan Program, the USDA loan is a $0 down mortgage option available to rural and suburbanhome buyersin the United States.
USDA loans are issued by qualified lenders and guaranteed by the U.S. Department of Agriculture (USDA).Not everyone may qualify for this program.
There are 2 major criteria that prospective USDAhome buyersneed to research prior to moving forward with USDA financing.
Officially known as the Section 502 Single Family Housing Guaranteed Loan Program, the USDA loan is a $0 down mortgage option available to rural and suburbanhome buyersin the United States.
USDA loans are issued by qualified lenders and guaranteed by the U.S. Department of Agriculture (USDA).Not everyone may qualify for this program.
There are 2 major criteria that prospective USDAhome buyersneed to research prior to moving forward with USDA financing.
Conventional loan programs fall under two categories.
One is called "conforming" mortgages, because they conform to guidelines established by Fannie Mae and Freddie Mac.
These two government-sponsored enterprises (GSEs) buy mortgages from lenders and sell them to investors.
Their purpose is to make mortgages more widely available.
All conforming mortgages are also conventional mortgages.
Loans that do not conform to GSE guidelines are referred to as "non-conforming" home loans.
Non-conforming loans that are larger than loan limits set by the GSEs are referred to as "jumbo" mortgages and very in every county.
One is called "conforming" mortgages, because they conform to guidelines established by Fannie Mae and Freddie Mac.
These two government-sponsored enterprises (GSEs) buy mortgages from lenders and sell them to investors.
Their purpose is to make mortgages more widely available.
All conforming mortgages are also conventional mortgages.
Loans that do not conform to GSE guidelines are referred to as "non-conforming" home loans.
Non-conforming loans that are larger than loan limits set by the GSEs are referred to as "jumbo" mortgages and very in every county.
When shopping for a mortgage to buy your dream home, you may run into options like an adjustable-rate mortgage that varies with interest rates as they increase and decrease.
If you're lucky, you can score a great rate in the years to follow, but at the same time, there's also a major element of risk involved.
Before wondering whether an adjustable-rate mortgage is the right choice for you or not, you'll need to know what types of options lenders are offering.
Over a decade ago, ARMs were considerably different because of penalties that caused significant distress to borrowers.
If you're lucky, you can score a great rate in the years to follow, but at the same time, there's also a major element of risk involved.
Before wondering whether an adjustable-rate mortgage is the right choice for you or not, you'll need to know what types of options lenders are offering.
Over a decade ago, ARMs were considerably different because of penalties that caused significant distress to borrowers.
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