I want to start out by expressing my gratitude with a simple "Thank You!" for considering me for your mortgage needs. I truly appreciate the opportunity to earn your business and realize that you can choose to go anywhere as a consumer. I truly take this to heart which is why I offer everyone great rates and customer service from the start, not after something goes wrong. For this reason I have become one of the most recommended mortgage bankers in Seattle, and can't wait to show you why.

Contact me today for a loan catered to your exact needs!

Toll Free: (866) 936-4903
Local: (206) 673-4543
Online: www.refilower.com

* Being a trusted financial professional I understand the need for information so I make my self available all evenings and weekends to address urgent matters regarding your loan.

I currently work with Sound Mortgage one of the oldest Freddie Mac Direct lenders in Washington, and has been locally owned since they have been in business. My Branch is located in Seattle and our Corporate Headquarters located in Federal Way, not in a different state with different tax structures. Mortgage refinance and purchase loans are all that we do. My branch is one of the highest volume Sound Mortgage branches in the state per employee, currently we are shooting to fund over 25 Million in home purchase and refinance loans per month.

We specialize in Conventional, Freddie Mac, Fannie Mae, FHA, VA, and USDA loans. Our highest volume currently is Fannie Mae DU Refi Plus and Freddie Mac Relief loans (Designed specifically to help homeowners whom have lost or have no equity).

My higher production volume helps you in several ways.

1.) Unlike most loan officers closing 1-2 transactions per month my consistently high production allows me to negotiate low wholesale mortgage rates directly for the consumer.

2.) I am able to hire competent staff that can answer your questions and help close your loan on time, and without concern about lock extensions, and delays.

3) Our quality origination have given us the ability to communicate directly with underwriting to get you the answers you need within minutes, not days.

Essentially you end up getting low rates, a mortgage team instead of one professional, and faster decisions.

** Interest Rate Quote Disclsoure **

In order to prepare your rate quote I rely solely on the information you provide. If that information is inaccurate than the quote will be as well. Rates also fluctuate daily sometimes the fluctuation is positive and will result in happy emotions for the consumer, usually when this happens it is not a problem, however rates also do get worse. Depending on the size of your loan the swings can be a few thousand dollars in cost, or .125% in rate. It is important to understand this phenomenon upfront so you can stay on top of the market movement. to stay informed on up to the minute mortgage information I recommend the following website.

Please call us anytime, and I am sure you will be satisfied with the wealth of information we provide.

Toll Free: (866) 936-4903
Local: (206) 673-4543
Online: www.refilower.com

* I am standing by to help you every evening and on the weekends.

State and Federal Licensing Information:

* U.S. Dept. of Housing and Urban Mortgagee-FHA Direct Lender
* National Mortgage Licensing System Approval # 870548
* WA #CL-870548
* OR ML-2944-15
* CA # 813I759
* WA, OR, CA MLO # 107696