We're a mortgage broker located in Seattle, WA. We specialize in helping our clients buy homes in King, Pierce & Snohomish Counties. Known as Purchase Experts with a proven record of Closing 100% On-Time or sooner, which is why real estate agents love us. Need to close fast in 10 days? We are ready! Financing terms this strong makes your offer stand out to the Listing Agent and Sellers!
This is the reason why many top producing Real Estate Agents trust their valued clients with our team. We are driven by results and service. There is no reason to pay a high interest rate on your home loan. We'll start with a full mortgage review. After that, we'll talk about your dreams and goals to make sure you're in the right loan for you. We worked with Keith and his team to close on our first home and I can't think of anything they could have possibly done better.
We were able to close in 2 weeks (which gave us an edge in this super competitive market) because they went the extra mile to make things work, even when there were some technical challenges, and we got a fantastic rate.
This is the reason why many top producing Real Estate Agents trust their valued clients with our team. We are driven by results and service. There is no reason to pay a high interest rate on your home loan. We'll start with a full mortgage review. After that, we'll talk about your dreams and goals to make sure you're in the right loan for you. We worked with Keith and his team to close on our first home and I can't think of anything they could have possibly done better.
We were able to close in 2 weeks (which gave us an edge in this super competitive market) because they went the extra mile to make things work, even when there were some technical challenges, and we got a fantastic rate.
Services
What could 2020 have in store for homeowners and future buyers?
In 2018 the Federal Reserve confidently projected higher rates in both short team and long term rates.
Concerns of Inflation fueled their analysis.
2019 was a miss.
There stance from short term rate hikes to short term rates cuts were a result and long term rates of mortgages in the second half of the year declined to historic low's of late 2017.
Lower than 2018 and the first half of 2019.
Projections as they are, based off of what the current economic outlook is, seems promising for homeowners who are considering a refinance for home improvement needs, debt consolidation and more.
In 2018 the Federal Reserve confidently projected higher rates in both short team and long term rates.
Concerns of Inflation fueled their analysis.
2019 was a miss.
There stance from short term rate hikes to short term rates cuts were a result and long term rates of mortgages in the second half of the year declined to historic low's of late 2017.
Lower than 2018 and the first half of 2019.
Projections as they are, based off of what the current economic outlook is, seems promising for homeowners who are considering a refinance for home improvement needs, debt consolidation and more.
Loan Types for Primary Residence, Second Home, Investment Properties, to Purchase or Refinance.
A conventional loan will follow guidelines of the government-sponsored enterprises, Fannie Mae (FNMA) and Freddie Mac (FHLMC).
Loan amounts of $484,350 (Conforming) and under with a down payment of 3% or more are requirements for this loan.
Loan terms of 10, 15, 20 and 30 years are available.
This type of loan offers borrowers conventional financing for loan amounts of $484,351 to $726,525 (High Balance).
A conventional loan will follow guidelines of the government-sponsored enterprises, Fannie Mae (FNMA) and Freddie Mac (FHLMC).
Loan amounts of $484,350 (Conforming) and under with a down payment of 3% or more are requirements for this loan.
Loan terms of 10, 15, 20 and 30 years are available.
This type of loan offers borrowers conventional financing for loan amounts of $484,351 to $726,525 (High Balance).
One of the main benefits of refinancing is reducing your interest rate.
A lower interest rate will affect the monthly payments, saving hundreds or thousands of dollars a year.
Many people refinance in order to obtain money for large purchases education or to reduce other consumer debt.
This is done by refinancing for the purpose of taking equity out of the home referred to as a cash-out refinance.
First, the home is appraised.
Second, the lender determines how much of a percentage of that appraisal they are willing to loan.
A lower interest rate will affect the monthly payments, saving hundreds or thousands of dollars a year.
Many people refinance in order to obtain money for large purchases education or to reduce other consumer debt.
This is done by refinancing for the purpose of taking equity out of the home referred to as a cash-out refinance.
First, the home is appraised.
Second, the lender determines how much of a percentage of that appraisal they are willing to loan.
This winter we continue to see the lack of inventory and the demand from buyers pressuring home prices higher.
There are factors that will help your offer to be considered by a seller.
Speed to close, contingencies waivers, strong earnest money, Loan Officer involvement and more.
Have questions?
I am here to help with answers.
There are factors that will help your offer to be considered by a seller.
Speed to close, contingencies waivers, strong earnest money, Loan Officer involvement and more.
Have questions?
I am here to help with answers.
Here is your buying power today.
I have spoken and closed with so many buyers who this time last year were frustrated with the market, being outbid and rates slowly moving higher.
Some is still the same when it comes to the lack of homes to meet the buyer demand.
But the mortgage rates on average are 1% or more, lower than this time last year.
It is the lower rate that allowed so many who called it quits to extend their buying power and close on a new home purchase.
Keep in mind you DO NOT need 20% down to purchase.
I have spoken and closed with so many buyers who this time last year were frustrated with the market, being outbid and rates slowly moving higher.
Some is still the same when it comes to the lack of homes to meet the buyer demand.
But the mortgage rates on average are 1% or more, lower than this time last year.
It is the lower rate that allowed so many who called it quits to extend their buying power and close on a new home purchase.
Keep in mind you DO NOT need 20% down to purchase.
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