First Time Buyers

Compare mortgage closing costs, points, lender fees and credits. Learn what to question on Loan Estimates, with practical examples for Washington homebuyers.

Your loan officer is the person who should hold your hand throughout the process of getting a mortgage. Before choosing a mortgage loan officer, check their experience, review their NMLS record, and ask questions. Here's what to look for and what to ask.

Getting pre-approved for a mortgage loan in Washington State is a simple five-step process. Here's exactly what to expect, from your first questionnaire to your final estimates.

Buying a home in Kitsap County in the next 90 days? Here are the best mortgage options in Bremerton, Silverdale, Poulsbo, Bainbridge, Port Orchard and more. Plus who each option fits best.

Don't let the flag fool you! Some "veteran friendly" mortgage lenders are about as friendly as a drill sergeant with a hangover. Watch this video for a peek behind the patriotic curtain.

Stop asking "What's your interest rate?" Start asking smarter questions. Watch this video to find out how.

While it might seem efficient to work with the first loan officer to answer the phone, it's actually a terrifying way to choose who's going to handle one of the biggest financial decisions of your life!

When you negotiate a purchase agreement with a seller, you'll be asked to put down earnest money. Earnest money is a deposit that shows the seller you're serious. And like any money that you plan to use to purchase your home, you'll be asked to "source" your earnest money.

I'm a little different from most mortgage lenders.

There is a fine line between a home that needs a little work and a home that is not financeable.