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Why Use Me For Your Next Home Purchase?
Date of video: November 20th, 2024
There are approximately 350,000 to 400,000 licensed mortgage loan officers nationwide. With so many options, would you leave the financing of one of the biggest purchases of your life to chance? I would hope not.
In this video, I explain the 4 P's - Proof, Products, Pricing & Process - these are the MOST important factors when considering a home loan lender.
Proof - #1 rated mortgage lender in Whatcom County, #1 purchase lender in Whatcom County, 1% loan originator nationwide, over 1,000+ loans closed in my career. Proof that this is my CAREER and I am successful in helping my clients become homeowners.
Products - unmatched products to help you WIN in a competitive market environment, while also catering to an array of buyer needs.
Pricing – We offer competitive rates and fees, as evidenced by being the #1 lender in Whatcom County and a top 1% originator nationwide. Achieving this level of success wouldn’t be possible with out of market fees or rates.
Process – We ensure top-tier communication with updates via email and phone calls three times a week once you're under contract. We also utilize video to strengthen your offer and provide tools to help it stand out from the competition.
LET'S GET YOU A HOME!
WSHFC: Home Advantage Loan
Date of video: August 13th, 2023
Unlock Your Dream Home in Washington State with the Home Advantage Loan Program!
Are you considering buying a home in Washington State? We've got exciting news for you! Introducing the Home Advantage Loan program by the Washington State Housing Finance Commission (WSHFC).
Here's why this matters to you:
🏠 Drastic Interest Rate Savings: In today's high-interest rate market, finding affordable financing is crucial. The Home Advantage Loan offers remarkable interest rate savings compared to standard Fannie/Freddie loans.
📊 Income Cap Benefits: If your annual income is under $180,000, you could qualify for this program. Check your eligibility using the convenient Income Lookup Tool: (https://ami-lookup-tool.fanniemae.com....
🌟 Cool Features: This program comes packed with features tailored to your needs:
1. Income Cap: Enjoy benefits if your income is under $180,000.
2. Reduced Interest Rates: Save even more with lower rates for those under 80% AMI.
3. Property Flexibility: It works for 1-unit or 2-unit owner-occupied properties, including stick-built, condos, and manufactured homes.
4. First-Time Buyer Not Required: Whether you're a first-time buyer or not, you're eligible.
5. Reduced Mortgage Insurance: Say goodbye to high mortgage insurance costs.
6. Government & Conventional Options: Choose what suits you best.
7. Co-Borrower & Multiple Property Ownerships: You can have a non-occupant co-borrower and even own another home.
8. No LLPAs: No worries about loan level pricing adjustments for credit or property type.
🔗 Resources to Explore: - Learn More About the Program: (https://wshfc.org/) - Check Out Current Rates: (https://wshfc.org/buyers/HomeAdvantag...) - Program Manual for In-Depth Details: (https://wshfc.org/sf/FINALHAMANUAL1.pdf)
🤝 Get Started: If you're curious about your eligibility, have questions, or want to seize this amazing opportunity, don't hesitate to reach out to me. Let's work together to make your dream of homeownership a reality!"
Fast as Cash!
Date of video: April 26th, 2023
Looking for a quick and easy loan program to help you finance your dream home? Look no further than Evergreen Home Loans' "Fast as Cash" program!
In this video, we'll explain everything you need to know about this innovative loan option, which is designed to provide you with lightning-fast funding (in as little as 10 days) so you can get into your new home as soon as possible and compete with cash offers.
In this video we will also answer some frequently asked questions about the "Fast as Cash" program, such as how much you can borrow, what types of properties are eligible and what the fees are. Whether you're a first-time homebuyer or a seasoned real estate investor, "Fast as Cash" is a great option for anyone looking to secure financing quickly and easily.
What would the most expensive home in Bellingham cost you per month (part 2)?
Date of video: April 5th, 2023
What would the most expensive listing in Bellingham, WA cost you per month? See how to calculate a monthly mortgage payment on this $4.8 million dollar home, how much money you would need to make to qualify for the loan, how much money you would need to put as a down payment, and much more!
Doctor Loan
Date of video: March 18th, 2023
Are you a medical professional looking for a low down payment mortgage option? This is the product for you!
3% down up to $850k loan amount, 5% down up to $1mm loan amount, 10% down up to $1.5mm loan amount.
Eligible borrowers:
Medical Resident (Educational License)
Medical Doctor (MD)
Doctor of Dental Surgery (DDS)
Doctor of Dental Medicine (DMD)
Doctor of Optometry (OD)
Doctor of Ophthalmology (MD)
Doctor of Pharmacy (PharmD)
Doctor of Podiatric Medicine (DPM)
Doctor of Osteopathy (DO)
Doctor of Veterinary Medicine (DVM)
Physician Assistant
Registered Nurse
Nurse Anesthetist
Nurse Practitioner
Clinical Nurse Specialist
Property taxes up 12-16%?!
Date of video: March 1st, 2023
If you are in Washington State, specifically Whatcom County, you just got hit with your property tax bill. And wow, they were not cheap. Most bills saw a 10%+ increase from 2022.
Do I need to pay this? Depends! Why the massive increase? Watch the video! What does this mean? I go through 2 major shifts we are going to see in the real estate market in 2023, due to these increases!
Build your dream home (JUMBO)!
Date of video: February 19th, 2023
Want to build or renovate your dream home? What does it take? If your project will require you to borrow MORE than the current conforming loan limit ($726,200 currently for 2023 - if you are not in a high cost area), then we have the perfect jumbo construction product for you! Take a deep dive on what it takes to build or remodel a home using our 2-step jumbo construction product through Evergreen Home Loans!
Remodel your dream home!
Date of video: February 17th, 2023
Want to renovate your dream home? Or renovate a home on the market that could be your dream home? What does it take? If your project will require you to borrow less than the current conforming loan limit ($726,200 currently for 2023 - if you are not in a high cost area), then we have the product for you! Take a deep dive on what it takes to build a home using Fannie Mae's conforming renovation product through Evergreen Home Loans!
Build your dream home!
Date of video: February 12th, 2023
Want to build your dream home? What does it take? If your project will require you to borrow less than the current conforming loan limit ($726,200 currently for 2023 - if you are not in a high cost area), then we have the product for you! Take a deep dive on what it takes to build a home using Fannie Mae/Freddie Mac's conforming construction product through Evergreen Home Loans!
Buy a home without selling your home first!
Date of video: February 5th, 2023
Don't want to wait to sell your house before you buy your next home? Sounds great, right? But Dylan, I don't have a down payment unless I sell my home!? We got you on that too. Check out Evergreen's StepUp program which we can combine with a bridge loan product to remove the contingent sale portion of your offer, and still equip you with a down payment for your next dream home!
Secure the land to build your dream home!
Date of video: February 2nd, 2023
Wanting to eventually build your dream home? We have the ideal way to secure financing on raw land/lot of your choosing so you can take your time designing the perfect home and finding the right builder!
How to get a 3% rate in today’s high rate environment!
Date of video: January 16th, 2023
Many buyers are timid to jump into the real estate market right now due to higher rates. If you want to secure a lower rate/payment in today's market, the Seller Buydown is a great option to get a lower rate/payment for 1-3 years until rates potentially settle down. The best part? This is all on the seller's dime!
Get a $2,500 credit towards a future refinance!
Date of video: July 18th, 2023
Many buyers are timid to jump into the real estate market right now due to uncertainty of what the future holds.
Here is what I can tell you. Mortgage rates will eventually go down. What will happen when mortgage rates go down? More buyers will flood the market, driving down the supply of inventory even further. What happens when there is more demand and less supply? Prices go up.
Buy the house now and date the rate until mortgage rates go down and then refinance. We have created a program to do just that. If you purchase or refinance your home with Evergreen before September 29th, 2023, you will be eligible for a $2,500 lender credit towards a refinance up until March 31st, 2025!
Home Loan Guide
Date of video: December 9th, 2022
It doesn't matter if you've bought 1 home or 20, I bet you'll learn something new watching this Home Loan Guide. In this video you will be guided through loan programs at Evergreen Home Loans, my communication style, the loan process, how to get pre-approved for a home and all the advantages of using Evergreen for your home purchase, refinance, new build or remodel.
Back up your home offer with $5,000 of OUR money!
Date of Video: November 27th, 2022
Are you a prospective buyer struggling with unaccepted offers or feeling weary and frustrated in this market with low inventory? You're not alone. Look no further – allow us to introduce our groundbreaking Security+ Seller Guarantee approval.
This innovative offering is entirely cost-free for any buyer who completes our pre-underwriting process and receives approval for our Security+ Seller Guarantee.
At Evergreen, we stand firmly behind your home offer with a $5,000 commitment. What does this signify? We meticulously assess your credit, income, and assets to such an extent that we have complete confidence in your financing. In the event that your financing falls through due to any of these factors, we pledge to pay the seller $5,000. No other lending company provides the same level of support to their pre-underwritten buyers, and sellers are eating it up!
Talk about a compelling competitive edge!
What does the most expensive home in Bellingham, WA cost per month?
Date of video: November 24th, 2022
Here is a fun one. What does the most expensive listing in Bellingham, WA cost you per month? See how to calculate a monthly mortgage payment on this $3.6 million dollar home - and how you will be paying nearly $250k a year in mortgage payments!
2 reasons to not low ball on price when buying or selling a home
Date of video: November 19th, 2022
Many markets are seeing under 100% sale-to-list ratio which means there is finally room to negotiate with sellers. If you are a buyer, low balling the seller is actually not the best way to save money. If you are a seller, dropping the price is actually not the best way to sell your home. Watch to see 2 options that are better for lowering the buyer's monthly payment, which will ultimately SELL the home.
Why you need to buy a home NOW!
Date of video: November 13th, 2022
Many home buyers are sitting on the fence waiting for rates to go down, similar to the end of 2018 when rates shot up to 5%. Myself and many clients purchased during 2018 due to the loss of competition. See the 3 reasons why you should be pulling the trigger on a home purchase NOW before rates go down.
Have mortgage rates peaked?
Date of video: November 12th, 2022
For the first time in months, the Consumer Price Index (CPI) came in lower than expectations at 6.5% (6.7% expected). This resulted in an overnight drop in mortgage rates. However, we need to curb our enthusiasm. This video will explain how inflation impacts mortgage rates and what is the fed's role in all of this.