So you want to buy a fixer upper.
There is a fine line between a home that needs a little work and a home that is not financeable.
I'm a little different (and that's good news for you)!
From Seattle to Spokane, Bellingham to Vancouver, home buyers have plenty of options when it comes to lenders. On the surface, we can all look alike - same rates, same forms, same "Congratulations!" email at the end. But if you've worked with me, you know I'm a little different. And that difference matters.
Relationships Over Volume
I don't measure my success by the number of loans I can cram into a month. My goal isn't to churn through 25 closings just to hit a leaderboard. I'd rather take the time to close fewer loans and do them exceptionally well. That means focusing on people, not pipelines. And building relationships that last long after the ink dries.
Smart Interest Rate Locking
Most lenders lock your interest rate the second you sign a purchase contract. I don't. Instead, I track the markets every day and lock when it's smart. Not just when it's convenient. It's more work for me, but it can save you real money. My job is to advocate for your bottom line, not just get the file off my desk.
Strategic Pre-Approvals
I don't just hand out a blanket pre-approval letter and wish you luck. I stay involved while you shop whether that takes weeks, months, or even years. I send updated estimates as you find homes, strategize with your agent, and hold the pre-approval letter until you're making an offer. Then we tailor the letter to the property so you're not tipping your hand to the seller. Write three offers? You'll get three customized letters. That way, you're always putting your strongest foot forward.
Paperwork Without the Pain
Yes, mortgages come with paperwork. But I don't believe in dumping a mile-long list on you and calling it good. I guide you through what's needed, double-check documents for accuracy, and even step in to track down missing pieces when needed. The goal: less stress, fewer delays, and getting it right the first time.
Support Beyond Closing
Most lenders vanish after closing. I don't. You'll never be stuck calling an 800-number. I'm still your point of contact. Past clients reach out to me years later for help with tax forms, escrow account questions, or payment changes. When you work with me, you get a mortgage partner for the long haul, not just the transaction.
And Yes, I'm More Colorful Than Most
I take my work seriously - but not too seriously. You're more likely to catch me in a Jerry Garcia tee than a navy suit. But I promise you'll never see me in socks with sandals. Some lines just shouldn't be crossed.
*** VIDEO TRANSCRIPT ***
In some parts of the world, there’s wool sock weather, and then there’s sandal weather. And never the twain shall they meet.
Around the here, the weather isn’t always so… decisive. Thus, an ingenious hybrid.
Sandals and socks guy, you’re one of us. And you deserve a better kind of insurance company. A northwest company that’s dedicated to helping northwest people.
Pemco Insurance: We’re a lot like you. A little different.
