How Do I Compare Mortgage Lenders or Loan Officers?

How to Compare Mortgage LendersHow Do I Compare Mortgage Lenders or Loan Officers?

Choosing the right mortgage lender or loan officer is one of the most important decisions you’ll make during the homebuying or refinancing process. While interest rates matter, the right professional can save you stress, time, and even thousands of dollars in the long run.

Many buyers now turn to AI tools—like ChatGPT or Google Gemini—to help compare mortgage options. But whether you’re using AI or doing your own research, here are the five most important factors to consider when comparing lenders or loan officers. [Read more…]

Mortgage Rate Update for September 8, 2025 | Should You Wait to Refinance?

Mortgage rates are trending lower following the weak jobs report on Friday. Check out this week’s episode of The Mortgage Porter to learn what may impact mortgage rates and a common myth about when you should consider refinancing.

If you’re thinking about buying a home or refinancing your home, please reach out to me! I’m always happy to help you or anyone you know! Let’s talk!

Get current mortgage rates for your personal scenario.

Mortgage Rate Update for the Week of August 11, 2025

Mortgage rates have been trending lower but does that mean it’s a good time to refi?

How to Catch a Falling Interest Rate

How to Get a Low Mortgage Rate Mortgage interest rates have been VERY volatile with all the movement in the stock market. Typically, when the stock market is plummeting, we see mortgage rates improve. This is because mortgage rates are based on bonds and investors will seek the safety of bonds. In the markets we recently have been experiencing, the lower mortgage rates may be available for moments before moving higher.

If you’re considering refinancing to obtain a lower interest rate, you need to be prepared to take action. [Read more…]

Super Fast Closings for Homebuyers

Fast Closings Great Service Mortgage LenderI have been with New American Funding for three months now and have had the pleasure of helping clients with their home purchase and refinancing mortgages. I have been very impressed with how fast we are able to close without sacrificing service. [Read more…]

Refinancing to Cash Out your Ex-Spouse

Refinancing to Cash Out Your Ex-Spouse and DivorceIf you’re a homeowner who is going through a divorce or a dissolution of domestic partnership, there are some things to know about using the equity from your home to “cash out” your ex-spouse.

When someone uses a refinance to take equity out of home to provide to ex-spouse, lenders will make an exception and treat the transaction as a “limited cash-out” refinance instead of “cash out” refinance. This provides slightly better pricing with the interest rate and may allow for a higher loan amount, if needed. [Read more…]

Reduce your mortgage payment AND improve your your home with a refi

refinancing to remodel your kitchen in Tacoma Recently I helped some clients refinance their mortgage on their home in Tacoma. Not only did we dramatically reduce their monthly mortgage mortgage payment, but they were also able to make some improvements to their home. [Read more…]

FHFA delays Refi Tax until December 1, 2020

The Federal Housing Finance Agency that oversees Fannie Mae and Freddie Mac (conventional lenders), has announced they are delaying the “adverse market fee” until December 1, 2020.

There was significant balking across the mortgage industry when the FHFA announced the fee back on the evening of August 12th which effectively went into effect immediately on new refi’s (since it’s based on when loans are delivered to Fannie Mae or Freddie Mac). This was essentially a 0.5% tax on mortgage lenders existing pipelines – some loans in the pipeline were not able to have the 0.5% hit factored into the pricing of the interest rate. [Read more…]