Future Customers

One of the first documents your lender will want to see are pay stubs reflecting the most recent 30 days of income.

As part of the pre-approval (or approval) process, your mortgage lender will ask to see your tax returns. This is what they want to see!

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

Fannie Mae released a new version of their automated underwriting system in July. Improvements should benefit self-employed borrowers, those with disputed accounts, borrowers with new jobs, and those with higher debt to income ratios.

You have many lenders to choose from. How do you make sure you're getting the best interest rate possible?

There are many reasons for relocating to the Olympic Peninsula. And many people available to help!

Download my smart phone app for a simple mortgage calculator that will give you the total monthly payment for different priced homes.

Most mortgage loans come with an impound account for paying property taxes and homeowner's insurance. Impound accounts are pre-funded at closing. And an impound (or escrow) analysis is conducted by your lender once a year.

A temporary buydown is a program that allows a buyer to reduce his mortgage payment the first few years of his loan.

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.