Buying a home is one of the most important financial decisions you’ll ever make — and understanding the mortgage process is key to making confident, informed choices.

In this section, you’ll find educational resources designed to help you navigate every step of the home buying journey. Whether you’re a first-time homebuyer, moving up to your next home, purchasing an investment property, or exploring options for a second home, these articles break down complex mortgage concepts into clear, practical guidance.

Topics include:

  • Getting pre-approved
  • Understanding credit and qualifying
  • Down payment assistance programs
  • Closing costs and escrow
  • Appraisals and underwriting
  • The mortgage process from offer to keys

My goal is to help you understand not just how to qualify — but how to structure your financing strategically so it supports your long-term financial goals.

If you’re buying a home in Washington State (or anywhere in the U.S.), and you want thoughtful guidance instead of pressure, this is a great place to start.

Tumwater Homebuyer Class

UPDATE: Class is over! Check out upcoming homebuyer classes or my online classes here.

Please join me and DeAnna Franklin from Franklin Home Team for our home buyer “lunch and learn” in Tumwater. We will be covering all you need to know about buying a home in today’s market in 2 hours over lunch including: [Read more…]

Looking for Affordable Housing? Check out Greater Tacoma!

If you’re looking to buy your first home, you may have to expand your horizon to find a home that’s more affordable. When I bought my first home many years ago, I wound up with a small rambler in Northeast Tacoma. We used an FHA mortgage with a 3.5% down payment (you do NOT need 20% down to buy a home). At the time, I was working in downtown Seattle at the Columbia Center and it was a heck of a commute…but I was so proud to own a home. We only owned it for a couple of years before we were able to sell it and use the appreciation to buy our next “move up” home. [Read more…]

NEW Down Payment Assistance Program

Down Payment Assistance ProgramsWe have added a new down payment assistance program where eligible home buyers can receive up to 100% financing.

This program is not limited to first time home buyers and there are no income limits with an FHA mortgage as the first lien. Would you like more good news? The down payment assistance is in the form of a second mortgage with a 5-year forgivable option OR a 10-year repayable option.

Here’s more: [Read more…]

Should You Wait to Buy A Home?

If you’ve been considering buying a home or if you’re a real estate agent who is working with clients who are on the fence about buying; please check out my latest resource page: Should You Wait to Buy a Home (mortgageporter.loans) [Read more…]

How to Buy This West Seattle Home? Let Me Count the Ways!

Craftsman Home in West Seattle UPDATE 5/26/2023: It’s no surprise to me…this home went immediately pending. If you are considering buying a home in Seattle, it is so important to be fully approved and perhaps better yet, consider using a program that allows you to present an extra competitive cash offer. PS: I can help you with that!

[Read more…]