Mortgage Lenders in Everett, WA
Serving All of Snohomish County
Whether you're exploring ways to unlock the equity in your home with a HELOC or HELOAN, considering refinancing options to reduce your mortgage payments, or curious about the benefits of a reverse mortgage, Jim has tailored information to meet your needs. Additionally, we offer insights into custom home construction loans for those looking to personalize their living space.
First-time home buyers and current homeowners looking to navigate the selling and buying process will find valuable resources here. Explore various loan options, including down payment assistance, conventional, USDA, VA, FHA, and more, to find the perfect fit for your financial situation. Jim can give you the tools to make an informed decision that advances your financial goals and dream home. Jim can be reached at (425) 210-2963.
Mortgage Loans Available
Are you a first-time home buyer?
Navigating your first home purchase can be challenging, but we’re here to help every step of the way — from understanding your financing options to closing on your home. Jim also offers classes to help you understand the home-buying process, making your journey to homeownership as smooth as possible.
Have you sold or want to sell your home and buy another one?
Whether upgrading, downsizing, or simply looking for a change, transitioning from one home to another can be seamless with the proper support. Explore your options for selling your current home and purchasing your next, ensuring a smooth transition and continuous housing.
Are you interested in a HELOC or HELOAN?
Unlock the equity in your home with a home equity line of credit or a home equity loan. Whether you're planning renovations, consolidating debt, or financing a major purchase, these options provide flexible and accessible funding. Learn more about leveraging your home's value to meet your financial goals.
Are you interested in refinancing?
Refinancing can reduce your monthly mortgage payments, shorten your loan term, or help you tap into your home's equity for other expenses. Discover the benefits of refinancing and see how you can save money and gain financial flexibility in the long term.
Do you want to build a custom home?
Building a custom home allows you to personalize every aspect of your living space. Whether you already have a lot or need help finding the perfect location, we can assist you with everything from financing to construction. Learn about construction loans and how we can help bring your dream home to life.
Are you interested in a reverse mortgage?
If you are 62 years or older and looking for a way to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills, a reverse mortgage might be right for you. Gain financial independence and secure your lifestyle during retirement.
Our Hassle-Free Mortgage Loan Process
Down Payment Assistance Loans
Down payment assistance loans are designed to help first-time homebuyers or those who haven't owned a home in the past three years with funds needed for a down payment and closing costs. Various programs offer grants or low-interest loans that may only require repayment once the home is sold or refinanced.
Conventional Loans
Conventional loans are mortgages not insured or guaranteed by the federal government. Conventional loans often require higher credit scores and larger down payments but offer flexible repayment terms and competitive interest rates.
USDA Loans
The U.S. Department of Agriculture sponsors USDA loans. These loans aim to aid rural homebuyers who meet specific income criteria. They offer zero down payment, reduced interest rates.
VA Loans
The U.S. Department of Veterans Affairs guarantees VA Loans for eligible veterans, active-duty service members, and specific National Guard and Reserves members. VA loans offer significant benefits, including no down payment, no private mortgage insurance, and competitive interest rates.
FHA Loans
The Federal Housing Administration insures FHA loans, popular among first-time homebuyers due to lower minimum credit score requirements and down payments as low as 3.5%.
HELOC
HELOC is a revolving credit line secured by the equity in your home. It works like a credit card, allowing homeowners to borrow against their home equity at a variable interest rate.
Custom Construction Loans
Custom construction loans are used to finance the construction of a new home. They typically cover the cost of building and may convert to a traditional mortgage once construction is complete.
Reverse Mortgages
Reverse mortgages are available to homeowners 62 years and older, allowing them to convert part of the equity in their homes into cash. The loan does not require monthly mortgage payments. Repayment is deferred until the borrower sells the home, moves out, or passes away.
