Frequently Asked Mortgage Questions

The first step is getting pre-approved, beginning with a discovery call where we talk about your goals. As a local mortgage advisor, I’ll review your credit, income, and goals to help you understand what you can afford. A Pre-approval also strengthens your offer when buying a home in competitive markets like Seattle or Bellevue.

Down payments can range from 0% to 20% or more, depending on the loan program. Options like FHA, VA, and even some conventional loans allow for low or no down payments. I’ll help you find the best fit based on your budget and goals.

Mortgage rates change daily based on market conditions. I provide weekly rate updates on MortgagePorter.com and can give you a personalized quote based on your credit, loan type, and property. Contact me to get today’s best rate for your scenario.

Yes! I help clients finance vacation homes throughout Washington—like the San Juan Islands or Pacific Coast—and across the U.S. Requirements are slightly different than for primary homes, but I’ll walk you through every step.

It depends on your current rate, loan term, and financial goals. Refinancing could help you lower your payment, shorten your loan term, or access cash for other needs. I’ll provide a free mortgage review to help you decide.

I specialize in a wide range of home loans, including:

• Conventional (fixed and adjustable)
• FHA, VA and USDA
• Jumbo loans
• Investment property financing
• Vacation home loans
• Construction and Rehab loans
• Reverse Mortgages

Whether you’re a first-time buyer or seasoned investor, I can help.

No! While I’m based in Seattle, I serve homebuyers and homeowners throughout Washington State and the U.S. If you’re looking for a local loan expert with nationwide reach, I’m here to help.

As a Mortgage Advisor with New American Funding, I offer personalized guidance, faster communication, and more loan options than many big banks. My goal is to help you make an informed mortgage decision, not just push a loan. Unlike a bank, I work with several lenders and can shop their programs and rates for you. We also have our own portfolio products.

Most purchases and refinances take about 30 days from application to closing. I work closely with my clients and their agents to keep things moving smoothly and on time. As we have our own in-house processing and underwriting, we can close faster than 30 days, if needed. Please reach out to me to discuss what your needs are.

Let’s talk! You can apply online, call, or schedule a free consultation. I’ll help you understand your options and take the stress out of the mortgage process. Start here with a pre-application or here if you would like to begin with a discovery call.