My mortgage consultation is almost-free. Your only cost is approximately $18 for a credit report. If you already have a credit report, the cost is zero. Just fax it to me at 425-776-8081. I can’t give you good advice until I see your credit report. See my article entitled Building Your Credit Score.

 

If you already have a good faith estimate from another company, fax that too, and I'll tell you if it is a fair deal.

 

Call us as soon as you know you are going to buy or refinance. The more time we have, the more we can help you plan well and maybe build your credit score.

 

Except for the cost of the credit report, the consultation is otherwise free. You are under no obligation whatsoever to place a mortgage through Deal Mortgage.

 

Our Method Is
To Give Out Good Information
About Mortgages—For Free

 

If we give you good information, we know you will be calling us when you decide to buy or refinance. 

 

If you do not own a home yet, we will talk with you about how you can buy one.

 

If you already own your home, we will talk with you about how you can improve your credit score and refinance into a lower interest rate. Or we will talk about how you can buy a bigger and better home to live in and turn your current home into a rental property.  And how you can do the same thing every two or three years until you have built a secure retirement program.

 

Answer this question: When you retire, will you be able to maintain you current standard of living with the income you will have from Social Security and from what you have in your retirement account? For most people, the answer to this question is No. Far too many people have no retirement account at all. Owning several single-family houses is the best way to build towards retirement.

 

We can talk with you about how you can help your children buy their first homes. The sooner they do so, the sooner their homes will start increasing in value, the sooner they will achieve financial independence, the sooner they will be able to retire, and the better they will be able to provide for your grandchildren.

 

I had a pastor client who borrowed down payment money from friends and bought four rental homes, one for each of his children, one each to pay for their college educations many years from now.

 

I disagree with our growth mentality, but both political parties support it, and there is little I can do to change it. So I might as well benefit from it, and you might as well too. The population is rising. There are lots of jobs here. The climate is the best in the world. So great numbers of people want to move to Washington. And people have to have housing. So real estate will continue to be a secure investment, and prices will continue to climb. I do not regard real estate as a way to “get rich quick” but as a way to build equity steadily and safely. And unlike the stock market, it is free from manipulation by the Wall Street elite.

 

How to buy real estate, how to finance it, how to find good tenants—that’s what we will talk about in your free consultation. Bring your relatives, friends, children, and potential partners. We’ll sit around the big table in the conference room. Or we will talk by phone.

 

In south Snohomish County you can buy a 4-bedroom, 2-bathroom, 2-car garage home for under $350,000 and pay as little as $35,000 down. It will go up in value $25,000 to $35,000 per year. Your equity will grow 70% to 100% per year. Is there any stock that will appreciate that fast?

 

Where will the $35,000 down payment come from? Take it out of the equity in your residence. If the house you want to buy is one you will move into, you can even buy it zero-down.

 

There are interest-only loans. Jumbo loans. Reverse mortgages. Construction loans. VA loans. Self-employed and stated-income loans. Apartment and commercial Loans. Bridge loans. Zero-down loans. Option ARM loans. Secure Option ARM loans. Bruised credit loans. Recent bankruptcy loans. We do them all.

 

We broker for 50 lenders, so we can meet and beat rates from the big banks and Internet lenders. We give you all your options. They don’t. That’s a big difference. 

 

We are licensed in Washington, and through an affiliate bank, we can make loans in 34 additional states.

 

You might be thinking:

“I Don’t Have Enough Money

to Pay the Mortgage Payment” 

Then think about buying a house with one or more partners. It’s better to buy half of a house or a third of a house than to buy no house at all. I will provide you with a draft partnership agreement—for no extra charge.

 

Sometimes it’s better to buy a bigger house, one with several bedrooms that can be rented out, than to buy a small starter home.

 

You might be thinking:

“I’ll Wait Until I Save Up More Money

For A Down Payment” 

This is a common mistake. The problem is that prices are going up faster than you can save up down payment money. With a loan for 100% of the purchase price, your house payment will be higher than you would prefer, but you will be released from the obligation to save up down payment money. The house will be building equity at a faster rate than you could save up money. If you wait, your house payment will just get bigger.

 

Call me at 425-774-6611 or 888-999-2022 for further information. Or e-mail me. The fax number is 425-776-8081. Click here to sign up for our e-mail messages, our printed mailings, or to request a call back.

For details about how to apply go here.