Best Jumbo Mortgage Rates: Compare Current 30 Year Super Jumbo Fixed – Adjustable Home Mortgage


Today’s Best Jumbo Home Loan Rates

  • What is a Jumbo Mortgage? – qualification standards how these loans compare against standard conforming mortages
  • Conforming Mortgage Limits – loans above these limits are considered jumbo
  • Jumbo Mortgage Calculator – calculate your monthly loan payments
  • What Drives Mortgage Rates? – understanding how interest rate markets are set
  • The Global Recession – and how it impacted the housing market
  • Rate Normalization – and how it may impact the housing market

Fannie Mae Freddie Mac are government-sponsored enterprises which provide liquidity to the national mortgage market by buying mortgages and keeping them in their portfolios or packaging the residential mortgages into mortgage-backed securities (MBS) sold to secondary investors. They have limits on the size of the residential mortgages they package into securities. Jumbo mortgages are loans which back home purchases where the amount financed exceeds the conforming mortgage loan limit.

Jumbo does not refer to the size of the house, but rather the amount of the loan. Many coastal properties are highly valued even if they are not physically large dwellings.

the distinction between jumbo and super jumbo is also based upon the amount of the loan. Lenders internally determine where they set classifications. In many parts of the country $1,000,000 is the demarcation line, but in wealthy areas the floor for super jumbo might be closer to $1,500,000 or $2,000,000.

Jumbo Rates vs Conforming Mortgage Rates

Jumbo mortgages have higher risk to the lender and lower liquidity in the marketplace. Historically lenders have typically charged higher rates than on conforming mortgages, though as the recovery has continued that gap has shrunk and there have been brief periods where yields on jumbo mortgages were lower than conforming mortgages. Prior to the 2008 recession jumbo loans had a spread of about 0.2% against conforming loans. During the crisis this spread blew out to a peak of about 1.7%, but has since come down to where jumbo mortgages are similarly priced to conforming mortgages.

Jumbo loans can be structured as either fixed or adjustable rate offerings, and yields tend to be similar to the associated conforming options. The most common adjustable rate option is the 5/1 ARM but other options exist including 5/5, 7/1 10/1.

For the first two loan types it means the interest rate would remain the same for the first 5 years of the loan. Then on the first loan the interest rate could reset annually after that, whereas on the second loan interest rates would reset every 5 years. The third and fourth examples would have a set rate for 7 and 10 years respectively and then reset annually. Adjustable-rate mortgages adjust based upon a spread off a reference rate such as LIBOR, up to a pre-determined rate cap in the loan contract.

Borrower Qualification

Lenders create their one underwriting guidelines for jumbo loans. As part of that process, borrowers may have to produce bank statements over the past year along with W2s, and 1099s. Self-employed people may need to show two years of tax returns. Lenders also typically want to see

  • the borrower has a 6 to 12 month cushion in savigs to cover note payments,
  • a FICO credit score of at least 680 to 700, and
  • a debt-to-income ratio below 40% to 45%

A second appraisal of the home may also be required to verify its value.

The additional information needed to qualify a borrower means that closing costs are typicially higher on jumbo mortgages than on conforming loans.

Down Payments

On conforming mortgages about 35% of borrowers put at least 20% down. On jumbo mortgages down payments of 5% or 10% are quite common.

Most jumbo loans do not require PMI payments, however borrowers with a small downpayment may incur additional fees and get charged a higher interest rate. The higher rate of interest is a way lenders can self-insure the loan, charging the equivalent of PMI for those with small down payments. Those who are buying a second home with a jumbo loan will typically be required to show more reserves and have better credit.

Second Mortgage Option

Some borrowers who struggle to secure a jumbo loan may be able to qualify for a conforming loan and use a second piggyback mortgage plus put more cash down to get below the conforming loan limits, which are $424,100 for a single-family home throughout most of the country and $636,150 in designated high-cost areas. Piggyback loans are typically issued for 10% to 15% of the property purchase price and come with a slightly higher rate of interest since the primary mortgage has the first claim on any default. In most cases second mortgages use adjustable rates, but fixed rate options are available at slightly higher rates.

Homeowner’s Insurance

Homes backed by jumbo loans should be fully insured to protect against natural disasters. Most insurance policies do not cover earthquakes or flooding by default, so supplemental policies may be needed.

Income Taxes

In 2017 homeowners are able to deduct from their income interest expenses on up to $1 million dollars of mortgage debt. At a 4.25% interest rate, a homeowner would pay $42,174.13 in interest during the first 12 months. That compares against the following standard deduction amounts.


Seattle Mortgage and Home Loans – HARP, USDA, FHA, 203k and Jumbo – Dan Keller,


seattle mortgage rates

Seattle mortgage rates

The Biggest Mistake First Time Home Buyers Make In Seattle

Episode #46: I explain the BIGGEST mistake first time home buyers make in the Seattle market and how it cost $83,981 over 10-years

Seattle mortgage rates

Understanding Trump s Tax Plan and Mortgage Interest Deductions

Episode #45: It s tough to believe what the media is saying related to Trumps proposed Tax Plan and what it means to housing, so I explain exactly what it means

Seattle mortgage rates

Everett Mortgage Broker Explains Zero Down Home Loan Options in Washington

Episode #44 Everett Mortgage Broker explains the Top 3 Zero Down Loan Programs for 2017 and an update on the market

Recent Mortgage News Updates

Seattle mortgage rates

How To Pay Your Closing Cost When Buying A Home

Closing costs are a variety of fees associated with buying a home! In this article and video, you ll learn what are closings costs and how to pay your closing costs when buying a home in Seattle..

Seattle mortgage rates

The Top 4 Factors That Determine Your Mortgage Rate Quote

Consumers are misinformed when it comes to mortgage interest rate quotes. Today, I give you a behind the scenes look into the mortgage industry and what determines your mortgage rate

Seattle mortgage rates

How A Home Refinance Should Look 2 Step Process

I answer the top question I get on Yelp How do I refinance my mortgage? I share my 2-step mortgage planning process that is designed to save you and make you money over time

Real Estate Agents | Join My Next Lunch Learn

Seattle mortgage rates

Seattle Real Estate Radio | podcast Youtube show

Seattle mortgage rates

Listen Watch | This Weeks Episode

Curious about what goes into staging a home, and why it could be a life saver before you put your house on the market? David Robertson of David Robertson Design is here to shed some light on the topic.

David has been working in Seattle for 14 years in Home Staging and Interior Design. He opened his own company David Robertson Design based on the idea that if he specializes in building a company around his passion for Modern and Mid Century Modern Design/Architecture that he could create a niche in the Seattle Market that was not being meet. 10 years later, he has grown the company from of 1 Employee and 1 Sofa to 9 employees and 5000 sqft Warehouse that can stage up to 50 houses at a time. He has the most talented design team assembled in Seattle that are the magic behind his company.

Tune in to hear all your questions answered on what is important to know about design and home staging, led by our ever wonderful hosts Dan Keller and Christian Nossum.

To check out David Robertson Design, visit here http://www.davidrobertsondesign.com/

To check out Co-host Christian Nossum’s website, visit here

What Other Are Saying | About the Dan Keller Team

The Dan Keller Mortgage Team gives massive value to their clients in each transaction. They not only provide great rates and fees, but also offer unparalleled customer service! Oh, and did I mention that they can close a loan effortlessly in under 21 days?

Zach M. September 11, 2015

When it comes to buying a home, small differences between banks can amount to thousands of dollars. Dan locked us into an excellent rate and helped us secure a loan with payments well below our expectations. He secured us an amazing mortgage and made the entire process simple and effortless on our part. He and

Bert B. September 11, 2015

Dan Keller and his team are completely amazing. I have a bit of experience in mortgage lending (okay, 30 years), and would highly encourage anyone considering a real estate loan (Agents, are you listening?) to use Dan’s team for their next transaction. My daughter her family were in a short-sale escrow to purchase a

Deborah K. September 11, 2015

As a real estate attorney, I can attest to the first-class quality of Dan’s service and products. Dan has done a spectacular job for my clients, distinguishing himself by working hard, getting them in the right loans, then ensuring the transactions close smoothly. I cannot recommend Dan highly enough.

Ron M. September 11, 2015

I’m an educator and a 30+ year veteran of the mortgage lending industry. I’ve known Dan for several years now. This year, Dan was put in a position of having to make an ethical choice. He chose to be honest. His choice had an effect on me professionally, and I don’t think he realized it

Jillayne S. September 11, 2015

Can’t say enough about Dan and his team. I am a real estate broker in Northwest Washington and encourage all of the buyers we are working with to contact Dan and use him if they are financing their home. I could go on and on about how he has saved the day on different deals

Ed F. September 11, 2015

My wife and I are first time home buyers who were slightly anxious about the unknowns in the process of getting a loan. A friend referred us to Dan Keller and his group, saying they had rates comparable to big banks but were much more personable. Our first thought was that paying a bit more

Jonathan W. September 11, 2015

After an awful experience with Wells Fargo, Dan and his team swept in and saved the day. We found the perfect house and were not ready to let it go. We thought it might be a long shot to get our loan through a second process in only 3 weeks, but Dan made it happen

Alanna B. September 11, 2015

I have been recommending all of my Seattle Real Estate clients to Dan Keller for years when they need an FHA loan, conventional mortgage, or refinance. As a Seattle real estate agent myself, I am often “courted” by mortgage brokers that want me to work with them. None are as good as Dan. When he

Christian N. September 11, 2015

Dan has been an excellent business partner, I definitely recommend his mortgage services!

Bob W. September 11, 2015

Honestly after reading these reviews I was skeptical about them being fake. Possibly Dan’s friends or family trying to hype him up. People do not get this good of reviews. I was wrong; after working with Dan I can honestly say he was great. We had a near impossible situation that most advisors/brokers would have


The Mortgage Porter –, mortgage rates seattle.#Mortgage #rates #seattle


The Mortgage Porter

Every Thursday morning, Freddie Mac publishes the Prime Mortgage Market Survey, a weekly report based on conventional rates from the previous week. It s an average and it s also old news as a borrower cannot lock in last week s rates they can only lock in what s available now . Last week s survey shows that rates are remaining at historically low levels.

Mortgage rates seattle

With that said, I don t anticipate that rates will remain at these low levels forever. It will be interesting to see how having a new Fed Chair, assuming President Trump retires Janet Yellen as he s indicating, will impact the direction of mortgage interest rates.

What we do know is rates are low now and that many home owners are appreciating increased equity so if you ve been considering refinancing, you may want to get the ball rolling.

I m happy to help you with your purchase or refi of homes located anywhere in Washington state, where I m licensed. Click here for a no-hassle mortgage rate quote.

Beware of Bogus Badness in your Email

There has been rampant wire fraud taking place in the real estate industry. This morning, I received an email appearing to contain a purchase and sales agreement for a new transaction with a link to download the contract.

Mortgage rates seattle

Mortgage rates at 2017 lows!

Freddie Mac s weekly survey of mortgage rates reveals that last week interest rates remained at 2017 lows.

Mortgage rates seattle

Attributed to Sean Becketti, chief economist, Freddie Mac.

Following a sharp decline last week, the 10-year Treasury yield rose 11 basis points this week. The 30-year mortgage rate, however, remained unchanged at 3.78 percent. If Treasury yields continue to rise, mortgage rates could see an increase in next week s survey.

Remember, this is last week s information. You cannot lock in a mortgage rate from last week unless you are a time traveler. If you would like current mortgage rates based on your personal scenario for your home located anywhere in Washington state, please contact me!

Can you get a Mortgage with Frozen Credit?

Mortgage rates seattleIn light of Equifax s recent massive credit breach, many people are going through the process of freezing their credit with each of the credit bureaus. This prevents someone from obtaining a new credit account in your name (it does not prevent them from using existing credit). I actually decided to freeze my credit a while back when it appeared that someone was trying to commit fraud with our address. It s not that difficult to do and it s pretty easy to forget about until you decide to apply for new credit, such as getting a mortgage. [Read more ]

Were you potentially hacked from the massive Equifax breach?

Mortgage rates seattle

Equifax announced yesterday that they ve were hacked on a scale unlike any we ve seen potentially impacting half of our population.

From Equifax: a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017. [Read more ]

Mortgage Rates hit 2017 lows!

Freddie Mac released their weekly Prime Mortgage Market Survey today announcing that mortgage rates hit 2017 lows. Mortgage rates seattle

The PMMS is based on average rates for conforming mortgages from last week. The rates do not include closing cost and are priced with 0.5 point.

Attributed to Sean Becketti, chief economist, Freddie Mac.

The 10-year Treasury yield fell 6 basis points this week amid concerns over lagging inflation. The 30-year mortgage rate also declined for the fourth consecutive week, dropping 3 basis points to a new year-to-date low of 3.86 percent.

If you re considering refinancing, you may be in luck! If you would like me to provide you with a current mortgage rate quote for your personal scenario for your property located anywhere in Washington state, please click here.

New Updated Guide Book for First Time Home Buyers

Hot off the press (or keyboard?)! The eBook that I wrote for first time home-buyers has been completely updated. Please feel free to share this with anyone you know who is considering buying a home anywhere in Washington state. You can access the eBook below or by clicking this link: Your First Home Mortgage Guide Book by Rhonda Porter

Of course, if you re considering buying your first, second home, vacation or rental homes in Washington state, I am happy to help you! Click here for a no hassle rate quote or here to start the preapproval process.

My Seattle Kitchen Remodel: Selecting Countertops

A few weeks ago, I shared that we re remodeling our kitchen. Boy-oh-boy what a chore it is we started the process months ago and are just starting to see light at the end of the tunnel. As I m going through this first hand, I thought I d share tidbits of things we re learning along the way. Today, I ll share the story of our kitchen counters.

Mortgage rates seattle

Let s start by discussing what we had on our old kitchen (photo above). [Read more ]

About the Author

Rhonda Porter is a Licensed Mortgage Originator MLO121324 living in the greater Seattle area. Rhonda began her career in 1986 in the title and escrow industry and joined Mortgage Master Service Corporation as a Loan Officer in 2000 and began blogging in 2006. Read More…

Mortgage rates seattle


Best Jumbo Mortgage Rates: Compare Current 30 Year Super Jumbo Fixed – Adjustable Home Mortgage


Today’s Best Jumbo Home Loan Rates

  • What is a Jumbo Mortgage? – qualification standards how these loans compare against standard conforming mortages
  • Conforming Mortgage Limits – loans above these limits are considered jumbo
  • Jumbo Mortgage Calculator – calculate your monthly loan payments
  • What Drives Mortgage Rates? – understanding how interest rate markets are set
  • The Global Recession – and how it impacted the housing market
  • Rate Normalization – and how it may impact the housing market

Fannie Mae Freddie Mac are government-sponsored enterprises which provide liquidity to the national mortgage market by buying mortgages and keeping them in their portfolios or packaging the residential mortgages into mortgage-backed securities (MBS) sold to secondary investors. They have limits on the size of the residential mortgages they package into securities. Jumbo mortgages are loans which back home purchases where the amount financed exceeds the conforming mortgage loan limit.

Jumbo does not refer to the size of the house, but rather the amount of the loan. Many coastal properties are highly valued even if they are not physically large dwellings.

the distinction between jumbo and super jumbo is also based upon the amount of the loan. Lenders internally determine where they set classifications. In many parts of the country $1,000,000 is the demarcation line, but in wealthy areas the floor for super jumbo might be closer to $1,500,000 or $2,000,000.

Jumbo Rates vs Conforming Mortgage Rates

Jumbo mortgages have higher risk to the lender and lower liquidity in the marketplace. Historically lenders have typically charged higher rates than on conforming mortgages, though as the recovery has continued that gap has shrunk and there have been brief periods where yields on jumbo mortgages were lower than conforming mortgages. Prior to the 2008 recession jumbo loans had a spread of about 0.2% against conforming loans. During the crisis this spread blew out to a peak of about 1.7%, but has since come down to where jumbo mortgages are similarly priced to conforming mortgages.

Jumbo loans can be structured as either fixed or adjustable rate offerings, and yields tend to be similar to the associated conforming options. The most common adjustable rate option is the 5/1 ARM but other options exist including 5/5, 7/1 10/1.

For the first two loan types it means the interest rate would remain the same for the first 5 years of the loan. Then on the first loan the interest rate could reset annually after that, whereas on the second loan interest rates would reset every 5 years. The third and fourth examples would have a set rate for 7 and 10 years respectively and then reset annually. Adjustable-rate mortgages adjust based upon a spread off a reference rate such as LIBOR, up to a pre-determined rate cap in the loan contract.

Borrower Qualification

Lenders create their one underwriting guidelines for jumbo loans. As part of that process, borrowers may have to produce bank statements over the past year along with W2s, and 1099s. Self-employed people may need to show two years of tax returns. Lenders also typically want to see

  • the borrower has a 6 to 12 month cushion in savigs to cover note payments,
  • a FICO credit score of at least 680 to 700, and
  • a debt-to-income ratio below 40% to 45%

A second appraisal of the home may also be required to verify its value.

The additional information needed to qualify a borrower means that closing costs are typicially higher on jumbo mortgages than on conforming loans.

Down Payments

On conforming mortgages about 35% of borrowers put at least 20% down. On jumbo mortgages down payments of 5% or 10% are quite common.

Most jumbo loans do not require PMI payments, however borrowers with a small downpayment may incur additional fees and get charged a higher interest rate. The higher rate of interest is a way lenders can self-insure the loan, charging the equivalent of PMI for those with small down payments. Those who are buying a second home with a jumbo loan will typically be required to show more reserves and have better credit.

Second Mortgage Option

Some borrowers who struggle to secure a jumbo loan may be able to qualify for a conforming loan and use a second piggyback mortgage plus put more cash down to get below the conforming loan limits, which are $424,100 for a single-family home throughout most of the country and $636,150 in designated high-cost areas. Piggyback loans are typically issued for 10% to 15% of the property purchase price and come with a slightly higher rate of interest since the primary mortgage has the first claim on any default. In most cases second mortgages use adjustable rates, but fixed rate options are available at slightly higher rates.

Homeowner’s Insurance

Homes backed by jumbo loans should be fully insured to protect against natural disasters. Most insurance policies do not cover earthquakes or flooding by default, so supplemental policies may be needed.

Income Taxes

In 2017 homeowners are able to deduct from their income interest expenses on up to $1 million dollars of mortgage debt. At a 4.25% interest rate, a homeowner would pay $42,174.13 in interest during the first 12 months. That compares against the following standard deduction amounts.


Housing – Housing, mortgage rates seattle.#Mortgage #rates #seattle


Housing Steve Walker, Director

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Welcome

The Seattle Office of Housing builds strong healthy communities and increases opportunities for people of all income levels to live in our city. For 35 years, the City has managed investments from the Seattle Housing Levy and other state and federal sources to fund the preservation and production of affordable apartments and homes. The Office of Housing also develops policies and manages programs that support further affordable housing production. To date, the City has created and preserved over 13,000 affordable homes throughout the city, helped 900 families purchase their first home, and provided emergency rental assistance to 6,500 households.

Request for Proposals for Equitable Transit-Oriented Development at Northgate Station

A Pre-Proposal Conference will be held on Tuesday, November 14, 2017 at 10:00am in Procurement Conference Room #328, 401 Fifth Avenue, 3rd Floor, Seattle, Washington, 98104

Proposals are due by December 21, 2017 at 2:00 PM . View the RFP on King County’s procurement website.

Seattle Housing Levy Dashboard Launched

As part of the City’s commitment to transparency around voter-approved initiatives, two new public facing websites were launched in September 2017 for the Seattle Preschool Program and the Housing Levy. These sites contribute to a growing body of work that will provide transparency to voters by describing progress over time toward stated goals and commitments. Check out the Housing Levy Dashboard as well as others on Seattle’s new Performance Hub.

Request for Proposals for Equitable Transit-Oriented Development at Roosevelt Station

On August 4, 2017, the Office of Housing and Sound Transit published a joint request for proposals (RFP) for equitable transit-oriented development on property adjacent to the future Roosevelt light rail station. OH announced $15 million in funding is available for site-specific affordable housing development on land offered by Sound Transit. OH and Sound Transit are seeking proposals to maximize the creation of affordable homes and meet a range of shared goals. Read the press release.

Request for Proposals for Resale-Restricted, Affordable Homeownership Development on Surplus Property

On July 25, 2017, the Office of Housing published a request for proposals (RFP) seeking proposals from qualified developers interested in acquiring City-owned land at 1312-1326 Yakima Avenue South to develop resale-restricted, affordable ownership housing on the site. The City’s objectives to create lasting community benefit include an affordability period of not less than 50 years, maximizing the site’s development potential and the creation of high-quality product.

Proposals are due by September 28, 2017 at 5:00 PM. View the RFP here. Questions can be directed to Erika Malone 206-684-0247, [email protected]

Foreclosure Prevention Pilot Program: Request for Proposals to Administer Loan Fund

On July 24, 2017, the Office of Housing published a request for proposals (RFP) for an administrator for the new Foreclosure Prevention Pilot Program. The pilot period is 24-months and the efficacy of the program will be evaluated after that period.

Proposals are due by August 31, 2017 at 5:00 PM. View the RFP here. Questions can be directed to Erika Malone 206-684-0247, [email protected]

2017 Rental Housing Program Notice of Funding Availability Announcement – $49.5 million

On July 6th, 2017, the Office of Housing is announcing $49.5 million in funding for affordable multifamily rental housing. View full Notice of Funding Availability announcement and application.

Housing Levy Admin Finance Plan Approved

The Seattle City Council recently approved the Administrative and Financial Plan for the 2016 Seattle Housing Levy. This plan guides implementation of the levy for the next two years. Download the A F Plan

2009 Seattle Housing Levy Fulfills on its Promise

The 2016 Annual Report has been published for the 2009 Housing Levy, wrapping up seven years of investment in affordable housing. The Levy has exceeded its goals for all programs, fulfilling the promise made to voters. Read the Housing Levy Annual Report


Seattle Mortgage and Home Loans – HARP, USDA, FHA, 203k and Jumbo – Dan Keller,


mortgage rates seattle

Mortgage rates seattle

The Biggest Mistake First Time Home Buyers Make In Seattle

Episode #46: I explain the BIGGEST mistake first time home buyers make in the Seattle market and how it cost $83,981 over 10-years

Mortgage rates seattle

Understanding Trump s Tax Plan and Mortgage Interest Deductions

Episode #45: It s tough to believe what the media is saying related to Trumps proposed Tax Plan and what it means to housing, so I explain exactly what it means

Mortgage rates seattle

Everett Mortgage Broker Explains Zero Down Home Loan Options in Washington

Episode #44 Everett Mortgage Broker explains the Top 3 Zero Down Loan Programs for 2017 and an update on the market

Recent Mortgage News Updates

Mortgage rates seattle

How To Pay Your Closing Cost When Buying A Home

Closing costs are a variety of fees associated with buying a home! In this article and video, you ll learn what are closings costs and how to pay your closing costs when buying a home in Seattle..

Mortgage rates seattle

The Top 4 Factors That Determine Your Mortgage Rate Quote

Consumers are misinformed when it comes to mortgage interest rate quotes. Today, I give you a behind the scenes look into the mortgage industry and what determines your mortgage rate

Mortgage rates seattle

How A Home Refinance Should Look 2 Step Process

I answer the top question I get on Yelp How do I refinance my mortgage? I share my 2-step mortgage planning process that is designed to save you and make you money over time

Real Estate Agents | Join My Next Lunch Learn

Mortgage rates seattle

Seattle Real Estate Radio | podcast Youtube show

Mortgage rates seattle

Listen Watch | This Weeks Episode

Curious about what goes into staging a home, and why it could be a life saver before you put your house on the market? David Robertson of David Robertson Design is here to shed some light on the topic.

David has been working in Seattle for 14 years in Home Staging and Interior Design. He opened his own company David Robertson Design based on the idea that if he specializes in building a company around his passion for Modern and Mid Century Modern Design/Architecture that he could create a niche in the Seattle Market that was not being meet. 10 years later, he has grown the company from of 1 Employee and 1 Sofa to 9 employees and 5000 sqft Warehouse that can stage up to 50 houses at a time. He has the most talented design team assembled in Seattle that are the magic behind his company.

Tune in to hear all your questions answered on what is important to know about design and home staging, led by our ever wonderful hosts Dan Keller and Christian Nossum.

To check out David Robertson Design, visit here http://www.davidrobertsondesign.com/

To check out Co-host Christian Nossum’s website, visit here

What Other Are Saying | About the Dan Keller Team

The Dan Keller Mortgage Team gives massive value to their clients in each transaction. They not only provide great rates and fees, but also offer unparalleled customer service! Oh, and did I mention that they can close a loan effortlessly in under 21 days?

Zach M. September 11, 2015

When it comes to buying a home, small differences between banks can amount to thousands of dollars. Dan locked us into an excellent rate and helped us secure a loan with payments well below our expectations. He secured us an amazing mortgage and made the entire process simple and effortless on our part. He and

Bert B. September 11, 2015

Dan Keller and his team are completely amazing. I have a bit of experience in mortgage lending (okay, 30 years), and would highly encourage anyone considering a real estate loan (Agents, are you listening?) to use Dan’s team for their next transaction. My daughter her family were in a short-sale escrow to purchase a

Deborah K. September 11, 2015

As a real estate attorney, I can attest to the first-class quality of Dan’s service and products. Dan has done a spectacular job for my clients, distinguishing himself by working hard, getting them in the right loans, then ensuring the transactions close smoothly. I cannot recommend Dan highly enough.

Ron M. September 11, 2015

I’m an educator and a 30+ year veteran of the mortgage lending industry. I’ve known Dan for several years now. This year, Dan was put in a position of having to make an ethical choice. He chose to be honest. His choice had an effect on me professionally, and I don’t think he realized it

Jillayne S. September 11, 2015

Can’t say enough about Dan and his team. I am a real estate broker in Northwest Washington and encourage all of the buyers we are working with to contact Dan and use him if they are financing their home. I could go on and on about how he has saved the day on different deals

Ed F. September 11, 2015

My wife and I are first time home buyers who were slightly anxious about the unknowns in the process of getting a loan. A friend referred us to Dan Keller and his group, saying they had rates comparable to big banks but were much more personable. Our first thought was that paying a bit more

Jonathan W. September 11, 2015

After an awful experience with Wells Fargo, Dan and his team swept in and saved the day. We found the perfect house and were not ready to let it go. We thought it might be a long shot to get our loan through a second process in only 3 weeks, but Dan made it happen

Alanna B. September 11, 2015

I have been recommending all of my Seattle Real Estate clients to Dan Keller for years when they need an FHA loan, conventional mortgage, or refinance. As a Seattle real estate agent myself, I am often “courted” by mortgage brokers that want me to work with them. None are as good as Dan. When he

Christian N. September 11, 2015

Dan has been an excellent business partner, I definitely recommend his mortgage services!

Bob W. September 11, 2015

Honestly after reading these reviews I was skeptical about them being fake. Possibly Dan’s friends or family trying to hype him up. People do not get this good of reviews. I was wrong; after working with Dan I can honestly say he was great. We had a near impossible situation that most advisors/brokers would have


Alaska USA Mortgage Originators, mortgage rates seattle.#Mortgage #rates #seattle


Meet Our Mortgage Originators

Alaska USA mortgage loan originators are here to help you every step of the way. Choose a location and then a mortgage loan originator to learn more about the person who will be guiding you through the home loan process.

Alaska originators by office

office map Anchorage Financial Center

  • Jason Baer (907) 261-3456
  • Courtney Ford (907) 261-3403
  • Paul Hansmeyer (907) 261-3438
  • Kristin Harding (907) 375-3939
  • Ronica Holeman (907) 261-3461
  • Matthew Huffman (907) 264-4721
  • Lisa Makoni (907) 261-3455 Anchorage

office map Dimond – South Anchorage

  • Steven Kihn (907) 261-3445
  • Kathleen Petty (907) 261-3458
  • Alex Rasmussen (907) 261-3418

office map Eagle River

  • Catherine Margolin (907) 689-3249
  • David Oteo-Velazquez (907) 689-3208
  • Agnes ‘Kay’ Shearer (907) 689-3228
  • Linda Winters (907) 689-3211

office map Elmendorf AFB

  • Catherine Margolin (907) 689-3249
  • Agnes ‘Kay’ Shearer (907) 689-3228
  • Linda Winters (907) 689-3211

office map Fairbanks

  • Mary Angel (907) 374-5489
  • Catherine ‘Cathy’ Donaldson (907) 374-5451
  • Claire Keel (907) 374-5486
  • Jill Myhill (907) 374-5418

office map Homer

  • Steven Gist (907) 226-8815
  • Marjorie Porter (907) 226-8813

office map Juneau

  • Cindy Burchfield (907) 796-1223
  • Minerva ‘Mac’ Carandang (907) 796-1201
  • Laurie Gardner (907) 796-1202

office map Kenai

  • Kenneth ‘Ken’ Scott (907) 395-4527
  • Jenna Thomas (907) 395-4521

office map Soldotna

  • Rhonda Risley (907) 714-4381
  • Katharine ‘Kathy’ Sullivan (907) 714-4393

office map Wasilla

  • Kirsten Forbess (907) 352-8306
  • Gwen Greenup (907) 352-8304
  • Tammy Hull-Kirillov (907) 352-8331
  • Rebecca Scott 907-352-8302

office map West Abbott – South Anchorage

  • Ryan Harrison (907) 261-3443
  • Timothy Kane (907) 375-3938
  • Stephanie Kerr (907) 375-3944
  • Madona Rhine-Stack (907) 261-3454

Arizona

Contact Alaska USA Federal Credit Union

Mortgage loans in Arizona are provided by Alaska USA Federal Credit Union. For more information, please contact a credit union originator.

California originators by office

office map Victorville Financial Center

  • Arlene Navarro (760) 813-8110
  • Charles Nunley (760) 813-8131

Washington

Washington originators by office

office map Oak Harbor

  • Lyn Bankowski (360) 679-5633
  • DeRhonda Porter (360) 679-5652
  • Dawn Tennant (360) 679-5632

office map Seattle

  • Michael Derrow (206) 239-3775
  • Yong Son (206) 239-3759

office map South Puget Sound

  • David Duncan (253) 815-4640
  • Alan Esselbach (206) 727-4266
  • Meg Sakamoto (253) 815-4608

office map Tacoma Financial Center

  • Peter Glein 253-444-3655

Apply online

Related info

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Copyright 2017 All rights reserved

Alaska USA Mortgage Company is a subsidiary of Alaska USA Federal Credit Union

Mortgage loans are provided by Alaska USA Federal Credit Union in Arizona. Mortgage loans are provided by Alaska USA Mortgage Company, LLC in Alaska, Washington and California. Alaska License #AK157293; Washington Consumer Loan Company License #CL-157293; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, License #4131067.

  • Mortgage rates seattle

Subaru special low finance interest rates November 1-30, 2017 for all 2018 and 2017 Subaru


mortgage rates seattle

November 1-30, 2017

on approval of credit, Shoreline/Seattle Greater Puget Sound area, contact your local dealer

always subject to change, correction

There are some very good programs, especially for 36-39-42 months, varying by model. Ask your local dealer.

NW Seattle area only. Please do not assume these are available, so contact your local dealer

Other leases, terms and payments are available from SoA (Subaru of America).

Cannot be combined with any other incentives. On approval of credit. Tax, title, registration, document fees extra.

Customer responsible for maintenance, repairs not covered by warranty, excessive wear, and $.15 per mile over 10,000 miles per year, or 30,000 total. Dealer participation required. See your dealer for details and specials in your area..

Always OAC, on approval of credit. Subject to change, correction, updating.

Based on 12,000 miles per year.

All cars with the standard option package unless noted, and no other options

Payments are plus your tax, registration license, document fees, and any extra options and accessories

Leasing? a basic primer to understanding a lease

These are just a few of the leases available. Other models and terms available. Many cars have extras that will raise the payment. Contact your local dealer. OAC- On approval of credit

new, started 10/21/17- Subaru Sign and Drive Lease- Subaru is waiving the first payment on all 2018 Impreza 5door models up to $500

2018 Impreza 2.0i 5 door manual transmission, $199 per mo for 42 mos, 12,000 miles per year, $0 due at signing. model code JLA pkg #01

2018 Impreza Sport 5 door manual transmission, $229 per mo for 42 mos, 12,000 miles per year, $0 due at signing. model code JLE pkg #21

2018 Forester 2.5i manual transmission, $239 per mo for 36 mos, 12,000 miles per year, $1739 due at signing, model code JFA pkg #01

2018 Impreza 2.0i sedan manual transmission, $189 per mo for 36 mos, 12,000 miles per year, $1,899 due at signing.model code JJA pkg #01

2018 WRX, manual transmission, $315 per mo for 36 mos, 12,000 miles per year, $1,500 due at signing, model code JUN pkg #01

2018 Legacy 2.5i CVT, $199 per mo for 36 mos, 12,000 miles per year, $2609 due at signing, model code JAB pkg #01

2017 Outback 2.5i CVT, $249 per mo for 36 mos, 12,000 miles per year, $1749 due at signing, model code HDB pkg #01

2017 Forester 2.5i manual transmission, $229 per mo for 36 mos, 12,000 miles per year, $1729 due at signing, model code HFA pkg #01

2017 Crosstrek 2.0i manual transmission, $209 per mo for 36 mos, 12,000 miles per year, $1,999 due at signing.model code HRA pkg #01

2017 Legacy 2.5i CVT, $165 per mo for 36 mos, 12,000 miles per year, $2575 due at signing, model code HAB pkg #01

2017 Impreza 2.0i sedan manual transmission, $185 per mo for 36 mos, 12,000 miles per year, $1,885 due at signing.model code HJA pkg #01

2017 WRX, manual transmission, $305 per mo for 36 mos, 12,000 miles per year, $1,199 due at signing, model code HUN pkg #01

2017 BRZ Premium, manual transmission, $325 per mo for 36 mos, 12,000 miles per year, $2125 due at signing, model code HZA Pkg #01

2016 Leases ended

2015 Leases ended January 4, 2016

scroll down for lease loyalty program

Looking for a lease on another model, or different miles, term, or payment? contact your local dealer

Money down: more lowers the lease payment, less money raises the payment. *******

LEASE LOYALTY Program for current returning Subaru lessees

No first payment! SoA will make the first monthly payment up to $500 to returning current Subaru lease and balloon customers with a maturing contract through Subaru of America financing (SoA).

The customer must purchase a new Subaru vehicle and finance or lease the new contract with SMF.

Customer is responsible for any remaining dollar amount over the $500.

The disposition fee on the existing lease or balloon account (for vehicle returns only) will be waived with the purchase of a new Subaru.

Lease Contract: The dealership will not collect a payment from the customer on the date of vehicle delivery unless the payment exceeds $500 in which case only the excess amount must be collected. SoA will pay the first month’s base rental plus monthly tax, as applicable, up to a maximum amount of $500.

Retail Contract: The dealership will not collect a payment at time of delivery. Upon SoA verifying customer eligibility, SoA will submit payment directly to SMF on behalf of the customer. NOTE: The customer will receive a monthly statement showing a first payment due. Please inform the customer to disregard this first statement as SOA will make the payment. We will be sending a letter to the customer confirming that the payment has been remitted. If the customer’s

payment is over $500, they will have to remit the difference at time of their first payment.

Security Deposit: Customer’s security deposit will be waived on the new lease contract.

NW-Seattle area. Please do NOT assume these are available in other areas.

Contact your local dealer for details in your area. Always subject to change, correction, updating.

DEALER INCENTIVES AND CUSTOMER REBATES

always subject to change, correction

Cash, Finance, and Lease Customer Rebates

NW -Seattle area. Please do NOT assume these are available everywhere. Always contact your local dealer

Fine print: Rates and financing always oac, on approval of credit; may vary by model; dealer participation may affect rate; dealer may mark-up rate. This is not a complete list of all dealer incentives.

First Payment Made! No first payment for returning lease customers who finance or lease a new Subaru

SoA will make first monthly payment up to $500 to returning current Subaru lease and balloon customers with a maturing lease or balloon through Subaru Motors Finance (SMF) .

The customer must purchase a new Subaru vehicle and finance or lease the new contract with SMF.

Customer is responsible for any remaining dollar amount over the $500.

The disposition fee on the existing lease or balloon account (for vehicle returns only) will be waived with the purchase of a new Subaru.

Lease Contract: The dealership will not collect a payment from the customer on the date of vehicle delivery unless the payment exceeds $500 in which case only the excess amount must be collected. SoA will pay the first month’s base rental plus monthly tax, as applicable, up to a maximum amount of $500.

Retail Contract: The dealership will not collect a payment at time of delivery. Upon SoA verifying customer eligibility, SoA will submit payment directly to SMF on behalf of the customer. NOTE: The customer will receive a monthly statement showing a first payment due. Please inform the customer to disregard this first statement as SOA will make the payment. We will be sending a letter to the customer confirming that the payment has been remitted. If the customer’s payment is over $500, they will have to remit the difference at time of their first payment.

Security Deposit: Customer’s security deposit will be waived on the new lease contract.

NOTE: Subaru of America (SoA) Seattle area customer rebates and specials. These incentives may vary so always contact your local dealer . Not appliable on sales into Canada. May not include dealers in independent distributor staes of CT, MA, ME, NH, NY, RI, VT, NJ, HI.

always subject to change, correction, updating. not responsible for errors, typos, omission etc


The Mortgage Porter –, seattle mortgage rates.#Seattle #mortgage #rates


The Mortgage Porter

Every Thursday morning, Freddie Mac publishes the Prime Mortgage Market Survey, a weekly report based on conventional rates from the previous week. It s an average and it s also old news as a borrower cannot lock in last week s rates they can only lock in what s available now . Last week s survey shows that rates are remaining at historically low levels.

Seattle mortgage rates

With that said, I don t anticipate that rates will remain at these low levels forever. It will be interesting to see how having a new Fed Chair, assuming President Trump retires Janet Yellen as he s indicating, will impact the direction of mortgage interest rates.

What we do know is rates are low now and that many home owners are appreciating increased equity so if you ve been considering refinancing, you may want to get the ball rolling.

I m happy to help you with your purchase or refi of homes located anywhere in Washington state, where I m licensed. Click here for a no-hassle mortgage rate quote.

Beware of Bogus Badness in your Email

There has been rampant wire fraud taking place in the real estate industry. This morning, I received an email appearing to contain a purchase and sales agreement for a new transaction with a link to download the contract.

Seattle mortgage rates

Mortgage rates at 2017 lows!

Freddie Mac s weekly survey of mortgage rates reveals that last week interest rates remained at 2017 lows.

Seattle mortgage rates

Attributed to Sean Becketti, chief economist, Freddie Mac.

Following a sharp decline last week, the 10-year Treasury yield rose 11 basis points this week. The 30-year mortgage rate, however, remained unchanged at 3.78 percent. If Treasury yields continue to rise, mortgage rates could see an increase in next week s survey.

Remember, this is last week s information. You cannot lock in a mortgage rate from last week unless you are a time traveler. If you would like current mortgage rates based on your personal scenario for your home located anywhere in Washington state, please contact me!

Can you get a Mortgage with Frozen Credit?

Seattle mortgage ratesIn light of Equifax s recent massive credit breach, many people are going through the process of freezing their credit with each of the credit bureaus. This prevents someone from obtaining a new credit account in your name (it does not prevent them from using existing credit). I actually decided to freeze my credit a while back when it appeared that someone was trying to commit fraud with our address. It s not that difficult to do and it s pretty easy to forget about until you decide to apply for new credit, such as getting a mortgage. [Read more ]

Were you potentially hacked from the massive Equifax breach?

Seattle mortgage rates

Equifax announced yesterday that they ve were hacked on a scale unlike any we ve seen potentially impacting half of our population.

From Equifax: a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017. [Read more ]

Mortgage Rates hit 2017 lows!

Freddie Mac released their weekly Prime Mortgage Market Survey today announcing that mortgage rates hit 2017 lows. Seattle mortgage rates

The PMMS is based on average rates for conforming mortgages from last week. The rates do not include closing cost and are priced with 0.5 point.

Attributed to Sean Becketti, chief economist, Freddie Mac.

The 10-year Treasury yield fell 6 basis points this week amid concerns over lagging inflation. The 30-year mortgage rate also declined for the fourth consecutive week, dropping 3 basis points to a new year-to-date low of 3.86 percent.

If you re considering refinancing, you may be in luck! If you would like me to provide you with a current mortgage rate quote for your personal scenario for your property located anywhere in Washington state, please click here.

New Updated Guide Book for First Time Home Buyers

Hot off the press (or keyboard?)! The eBook that I wrote for first time home-buyers has been completely updated. Please feel free to share this with anyone you know who is considering buying a home anywhere in Washington state. You can access the eBook below or by clicking this link: Your First Home Mortgage Guide Book by Rhonda Porter

Of course, if you re considering buying your first, second home, vacation or rental homes in Washington state, I am happy to help you! Click here for a no hassle rate quote or here to start the preapproval process.

My Seattle Kitchen Remodel: Selecting Countertops

A few weeks ago, I shared that we re remodeling our kitchen. Boy-oh-boy what a chore it is we started the process months ago and are just starting to see light at the end of the tunnel. As I m going through this first hand, I thought I d share tidbits of things we re learning along the way. Today, I ll share the story of our kitchen counters.

Seattle mortgage rates

Let s start by discussing what we had on our old kitchen (photo above). [Read more ]

About the Author

Rhonda Porter is a Licensed Mortgage Originator MLO121324 living in the greater Seattle area. Rhonda began her career in 1986 in the title and escrow industry and joined Mortgage Master Service Corporation as a Loan Officer in 2000 and began blogging in 2006. Read More…

Seattle mortgage rates


Columbia Funding Mortgage, Mortgage Company Mill Creek WA, mortgage rates seattle.#Mortgage #rates #seattle


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THEN, WE EXCEED YOUR EXPECTATIONS

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