Address: 5306 Pacific Hwy E B, Fife, WA 98424, USA
Phone: +12532003255
Sunday: Closed
Monday: 9AM–5PM
Tuesday: 9AM–5PM
Wednesday: 9AM–5PM
Thursday: 9AM–5PM
Friday: 9AM–5PM
Saturday: Closed
Stephanie Westfall
Chelsea is super knowledgeable in what she does and made me feel like a priority while helping me to understand the whole process. She also gave me options; making me feel like what I wanted mattered. From her customer service skills to her dedication to her clients, I would recommend her to anyone. I couldn't have asked for a better experience.
J C
From the first moment, Chelsea has gone above and beyond to answer our questions, run estimates for us and worked nights and weekends to keep our loan application process running smoothly. She did a fantastic job and I'd recommend her to anyone!
Douglas “The Beerbarian” Bailey
Scott and his team did a phenomenal job of finding creative and timely solutions to help us close on our dream home!
Laura Anderson
I have been so impressed with Chelsea Cline’s communication and work ethic. She made the home buying process so smooth by helping to explain the home loan programs and finding us the best rate. She also helped us win our offer by advocating for us as strong buyers! Having her as our local lender made me want to buy 5 more houses, we’ll definitely be using her services again!
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Yes we are a mortgage company.
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 which is then added to the total loan balance.
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.
PMI - aka Private Mortgage Insurance is a type of mortgage insurance you may be required to 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'.
Whether your rate can change or not depends on the type of loan you get. 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.
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