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We would love to hear from you! Our team is here to answer any questions you may have and provide personalized assistance tailored to your unique needs. Whether you're ready to take the next step in your home buying journey, explore refinancing options, or simply seek guidance on the mortgage process, we're here to help.

Office
1024 1st St, Snohomish, WA 98290, United States of America

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FAQ

  • How long does it take to get pre-approved?

    Preapproval can get done as quickly as one day or may take up to a week depending on how long it takes to receive your required information. 

  • Do we need to provide all of our information to get a rate quote?

    We can make assumptions but prefer not to since once we get your information it can change. There are over 25 different variables that go into the rate. Top variables are credit score, loan amount, loan compared to value, occupancy, and how much or if you want to pay what is called “discount points” to buy the rate down.

  • What are closing costs?

    The closing costs are mostly fixed costs associated with getting the loan. In addition, there are some variable items to set up escrow to pay for taxes and insurance at closing. Also, potential points to buy down a better interest rate or lender credit for a higher rate.  General rule of thumb of 3% of the purchase price can be a good gauge for homes in the $275K to $375K range. 

  • Who do I pay and when?

    Inspections will have to be paid at the time of the inspection. Earnest money is usually paid at the time that your offer is accepted. Sometimes appraisals are paid at the time of the appraisal (other times it will be collected at closing). The remaining items are paid at closing.

  • What happens at closing?

    When you close with us, we make sure the experience goes smoothly and as easily as possible for you. Just check out our videos to see a walkthrough of our closing process!

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