Address: 2533 Marvin Rd NE suite d, Lacey, WA 98516, USA
Phone: +13607055055
Sunday: Closed
Monday: 8:30AM–5:30PM
Tuesday: 8:30AM–5:30PM
Wednesday: 8:30AM–5:30PM
Thursday: 8:30AM–5:30PM
Friday: 8:30AM–5:30PM
Saturday: Closed
Tracie Derrick
This was an easy, quick, quality experience! Usually buying a home is stressful NOT WITH THIS TEAM!!! Suzanne was awesome to work with and has such a great personality!! She’s on top of everything was the fastest house purchase ever. I would recommend anyone to them!!
Jim Kelly
Streamlined application process; most work can be done digitally and those that were not were arranged by Fairway making the process almost effortless. Representatives of the company are friendly, knowledgeable and professional and guide you through every step.
SHANE FROST
Julie and her team are top notch. Her and her team made what seemed impossible a reality. Every step of the way was almost effortless on our end. She never asked for anything unless it was absolutely necessary. Julie is truly amazing! I have never received such amazing service anywhere in all my life. Julie and her team know the ins and outs like no one else. Julie and her team were always kind and funny and just made you feel like you were a family that you have known forever! Her happiness and laughter are contagious. I just can’t say enough about how amazing her and her team are! I encourage anyone looking to buy a home to choose Julie and her team. This lady even took time out of her vacation and family gatherings to answer any questions we had. Independence Day and Julie picked up the phone and answered our questions. Who does that? Julie that’s who! Blown away by her and her team!!! She genuinely cares about getting people into their dream home and works tirelessly to achieve that goal. Way to go team Julie! From my family to yours Thank You For All You Do!!!!
Vanna Manning
Julie Shank made an almost impossible loan possible. She put in a lot of time working patiently with us to get us successfully through the loan process and worked diligently to secure a loan that helped us buy our first house! Julie is personable and resourceful and it was clear that helping us was a priority for her. I would recommend Julie without hesitation. Thank you Julie!
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Whether your rate can change or not depends on the type of loan you have. The most common type of home loan is a 30 year fixed mortgage, in which your rate will never change for the life of the loan. There are also adjustable rate mortgages (ARMs), interest only mortgages (IO) and other types of loans that may have changing interest rates.
PMI – aka Private Mortgage Insurance is a type of mortgage insurance you may be required to pay if you have a Conventional loan. There are many types of PMI, including monthly, up-front and a combination of both commonly referred to as ‘Split MI’.
The answer is complicated and depends on the type of loan - VA borrowers without a 'Service Connected Disability' are required to pay a Funding Fee based on loan amount which is then added to the total loan amount. All FHA loans incur an Upfront Mortgage Insurance Premium of 1.75% of the loan amount which is then added to the total loan balance and is included in monthly payments and often called a ‘funding fee’. Conventional loans never carry a ‘funding fee’. USDA loans require an upfront Guarantee Fee based on loan amount.
It is possible to achieve lower monthly payments by combining competitive interest rates with the advantage of having no private mortgage insurance added to the mortgage payment.
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