2026 Conforming Loan Limits: What Washington Homebuyers Should Know
December 5, 2025 by Leave a Comment
Low-Down-Payment Programs, Renovation Loans & Down Payment Assistance OptionsFree Virtual Workshop: How Much Money Do You Need to Buy a Home?
October 21, 2025 by Leave a Comment
Buying a home takes more than just a down payment — but how much do you really need? In this quick and informative session, you’ll learn exactly what goes into your total “cash to close,” including down payment options, closing costs, and other upfront expenses.
You’ll walk away with a clear understanding of:
✅ How much money you actually need to buy a home
✅ Low down payment loan options (you don’t always need 20%)
✅ What closing costs and prepaids cover
✅ Tips and strategies for saving for your down payment
✅ How gift funds or wedding gifts can help
Whether you’re planning to buy soon or just starting to save, this class will help you create a realistic plan to reach your homeownership goals.
🕓 Duration: 1 hour
📍 Location: Zoom (link provided after registration). Register here or by scanning QR code above.
🎓 Who it’s for: First-time and repeat buyers who want to understand what it really costs to buy a home
Options for Buying a Starter Home
January 22, 2025 by Leave a Comment
Buying your first home is such an exciting and important time of your life. It’s a big step in creating financial freedom for your future. First homes are often referred to as a “starter home” as people tend to live in the home for a shorter period of time and use the equity they gain from appreciation and paying down the mortgage towards buying their next home. [Read more…]
How Much Money Do You Need to Buy a Home?
March 30, 2023 by Leave a Comment
Did you know that you don’t need a 20% down payment to buy a home? In this video, I discuss what funds are needed during the home buying process.
If you’re interested in buying or refinancing a home, please contact me!
Using Cryptocurrency for a Down Payment
June 7, 2022 by Leave a Comment
Cryptocurrency, like Bitcoin, CAN be used for funds for closing on a home as long as the cryptocurrency (i.e. virtual currency) meets certain criteria. Fannie Mae and Freddie Mac require that the funds be exchanged into U.S. dollars and that held in a U.S. regulated financial institution. In order to use conventional financing, there needs to be enough documentation to meet conventional guidelines, including: [Read more…]
How Does Dave Ramsey’s Advice on Mortgages Pencil Out?
October 14, 2021 by Leave a Comment
Last month I wrote about advice I’ve been seeing popping up in my Facebook feed from Dave Ramsey on mortgages. There are several points that I just don’t find realistic for the average person who wants to buy a home, such as only using a 15 year amortized mortgage with 20% down payment and limiting your mortgage payment to 25% of your take home pay. I promised that I would share a follow up post where I review different scenarios comparing his advise to real life scenarios. [Read more…]
Should You Follow Dave Ramsey’s Advice on Mortgages?
September 29, 2021 by 2 Comments
Dave Ramsey is someone a lot of people follow for financial advise. Lately he’s been showing up A LOT in my Facebook stream pushing his thoughts on mortgages, home ownership and credit. Some of his ideas, I don’t totally disagree with. In fact, I shared a post that came from his group encouraging people to continue to pay rent and make their mortgage payments during the pandemic if at all possible (ie nothing is for free). However, I don’t support what he instructs his followers who are considering buying a home and I also have an issue with anyone who pushes their “team of vetted real estate agents”…I would be really surprised if there is not some sort of financial relationship associated with this referral arrangement.
Let’s take a look at what he encourages his followers to do with regards to buying a home or getting a mortgage. [Read more…]
The REAL Income Needed to Buy Median-Priced Home in Seattle
February 26, 2019 by Leave a Comment
KOMO News is reporting that it takes an income of $105K to buy a median-priced home in the Seattle area. This is based off a report from HSH.com. When you dig deeper into the report, here’s how HSH.com came up with their numbers: [Read more…]
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