Almost every buyer I work with has some kind of debt whether it’s car payments, student loans, credit cards or installment loans. Carrying debt doesn’t automatically rule out homeownership, but it does shape what you qualify for and how much cushion you’ll have once the mortgage payment is added on top. Here’s what actually matters. [Read more…]
Mortgage Rates: Fed Week Preview, Oil Tensions & Smart Interest Rate Strategies
September 14, 2026 by Leave a Comment
Different Types of Mortgage Lenders
September 10, 2026 by 1 Comment
If you’ve started shopping for a mortgage in Washington State, you’ve probably run into a handful of different types of lenders — brokers, banks, credit unions, and correspondent lenders — often used almost interchangeably. They are not the same thing, and the difference can affect your rate, your timeline, and who you’re actually talking to when something goes wrong. Here’s how each one works. [Read more…]
The Mortgage Porter Weekly | August Jobs Report, Oil Price Tensions & CPI Ahead of the Fed
September 8, 2026 by Leave a Comment
Financing a Relocated Manufactured Home in Washington
September 4, 2026 by 1 Comment
Editor’s note: This post covers a Freddie Mac underwriting update effective September 2, 2026. If you’re new to manufactured home financing generally, start with my Manufactured Home Financing Options in Washington State guide — this post covers one specific new eligibility path.
For years, one sentence could stop a manufactured home purchase or refinance in its tracks: “the home has been moved.” If a manufactured home had been installed at one location and later relocated to a different property, it was generally ineligible for conventional financing through Freddie Mac. [Read more…]
