Mortgage Monkey

OR# ML-2912
WA#510-LO-35626

Finding the right home loan is almost like finding the right partner. At first glance, many loans may look to be a sure thing, but when you look beyond the surface, you'll find that the beauty was only skin deep.

My job is almost like that of a dating service: match the right people with the right loans. There are literally hundreds of loan programs available with more being added every day.

I evaluate your situation then compare your needs with the requirements of the loan programs. The result? The right loan for you, as individual as you are.

There is no doubt that the constantly shifting landscape has made getting to top of the hill much tougher. Experience, expertise and tenacity count in this market. You also need to have a good strategy in place, and knowing the little stuff counts. Every program has tons of ins and outs. Being a little obsessive, compulsive helps me make sure my clients are getting a great loan.

Maybe you need to refinance your existing home. I can do that too. Read more!

Gary, where's the mortgage calculator?

With mortgage loans, the interest rate is just one factor to consider, That's why you won't find a mortgage calculator on my site. Without knowing all of the options, it's easy to plug in a few numbers, then decide you can't afford a home. That's what I'm here for. If you want a home, chances are very good that I can help make your dream a reality.

Gary, what if I'm not loaded?

Worried about not having enough cash to buy a house? There are a wide variety of loans including FHA/VA loans, where the cash requirements are very low. In addition, I can help you structure everything with the seller paying your closing cash so you can get your foot in the door with as little out of your pocket as possible.

Gary, what loan programs do you have available?

I have literally hundreds of programs available. The great part about being a broker is the flexibility I have to tailor a program to YOU. A few of the more interesting and unique program options are listed below. To find out what program would work best for you, email me or give me a call - that's what I'm here for!

First Time Homebuyers

I LOVE helping people purchase their first home. There are very few milestones in life as important. Getting the best advice can make all the difference. Client's often tell me "That wasn't nearly as hard as everyone said it was going to be!" I have many different programs available that require little or no down payment and are more flexible in their guidelines. So, stop thinking about it and get the ball rolling!

FHA/VA Loans

Government loans can be amazing! I have helped hundreds of people achieve their dreams of owning a home using an FHA/VA loan. These loans are designed to give buyers the most bang for their buck. Even with past credit problems and other challenges, you can still buy with very little down and get a competitive market rate with a FHA/VA loan.

Fixed vs. Adjustable vs. Balloon

This is often the issue people have the most questions about. When are each of these loans appropriate? What's right for you depends on your goals. How long you're going to live in your home, what your employment picture looks like, lots of factors. And you may be surprised where we end up! For example most people don't know there's an adjustable loan where the rate is locked for up to seven years, then becomes adjustable - this loan can save you thousands if you're going to sell in five years!

Complicated Credit

Bad things DO happen to good people sometimes and there are a lot of great loans out there to help get you get back in the game. This subject is so important ... I dedicated an entire page to it. Read more!

Refinancing

Want to get a better loan than you have? Want to use the equity you've built up to expand, remodel or pay off other debt? A refinance may be for you. Read more!