# HHL Group – Spokane Mortgage Lender | Home Loans & Refinancing > Mortgage and Home Loan Services in Spokane & Spokane Valley, WA Site: https://www.hhlnorthwest.com/ Generated: 2026-07-11 by CiteWP ## Pages - [Loan Finder](https://www.hhlnorthwest.com/loan-finder/): Get a custom Mortgage Quote from one of the Inland Northwest's most trusted mortgage lenders. Find out how we can earn your business today! [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”3202″ bg_position=”left top” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” top_padding=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” color_overlay=”#000000″ overlay_strength=”0.5″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”top-bottom” bottom_margin=”30″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”] # Find the Right Home Loan Program for You! No Credit Check  |  No Commitment  |  No Pressure Complete this quick form to discover personalized mortgage options based on your goals, budget, and timeline. [/vc_column_text][vc_column_text css=”” text_direction=”default”] 1 Loan PurposeSelect An OptionPurchaseRefinanceCash Out Refinance Purchase Price Current Loan Balance Cash Out Amount Est. Property Value Down Payment Property StateSelect A StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming County Property UseSelect An OptionPrimary Residence2nd HomeInvestment Property TypeSelect An OptionSingle FamilyCondo/Townhome2 Unit3-4 UnitManufactured Home Est. Credit ScoreSelect An Option800-850780-799760-779740-759720-739700-719680-699660-679640-659620-639Under 620 VA Eligible?Select An OptionYesNoNot Sure Est. Monthly Income Name Email Phone Find my Options By submitting this form, you agree to be contacted by HHL Group via call, text, or email regarding your mortgage inquiry. Msg & data rates may apply. Consent not required to purchase. Privacy Policy, Terms of Use, CA Terms of Use keyboard_arrow_leftPrevious Nextkeyboard_arrow_right [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- - [Get My Quote](https://www.hhlnorthwest.com/get-my-quote/): Get a custom Mortgage Quote from one of the Inland Northwest's most trusted mortgage lenders. Find out how we can earn your business today! [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”3202″ bg_position=”left top” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” top_padding=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” color_overlay=”#000000″ overlay_strength=”0.5″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”top-bottom” bottom_margin=”30″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text] # Get your customized quote in # just 60 seconds. No Credit Check  |  No Commitment  |  No Problem What Type Of Loan Are You Looking For? [/vc_column_text][vc_column_text] 1 Loan PurposeSelect An OptionPurchaseRefinanceCash Out Refinance Purchase Price Current Loan Balance Cash Out Amount Est. Property Value Down Payment Property StateSelect A StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming County Property UseSelect An OptionPrimary Residence2nd HomeInvestment Property TypeSelect An OptionSingle FamilyCondoTownhome2 Unit3-4 UnitPlanned Unit Development (PUD) Est. Credit ScoreSelect An Option800-850780-799760-779740-759720-739700-719680-699660-679640-659620-639Under 620 VA Eligible?Select An OptionYesNoNot Sure Est. Monthly Income Name Email Phone Get My Quote By submitting this form, you agree to be contacted by HHL Group via call, text, or email regarding your mortgage inquiry. Msg & data rates may apply. Consent not required to purchase. Privacy Policy, Terms of Use, CA Terms of Use keyboard_arrow_leftPrevious Nextkeyboard_arrow_right [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- - [Compare Rates](https://www.hhlnorthwest.com/compare-rates/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" c… [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f2f2f2″ scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1696628687206{margin-top: 35px !important;}”] # Today’s Mortgage Rates [/vc_column_text][vc_raw_js]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[/vc_raw_js][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” top_margin=”75″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][toggles style=”minimal_small”][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Rate Search Disclaimer”][vc_column_text] By accessing the mortgage rate search feature on this website, you acknowledge and agree to the following: Rate Variation: The mortgage rates displayed on this webpage are based on the information provided by our wholesale investors with whom we maintain a business relationship. Rates are subject to change without notice and may vary based on market conditions, the borrower’s specific circumstances, and other factors. No Guarantee: While we strive to provide accurate and up-to-date information, we cannot guarantee the availability of the displayed rates at the time of your application or at closing. Rates can be volatile and may change rapidly. Not an Offer to Lend: Display of any mortgage rate does not constitute an offer to lend. All loans are subject to underwriting approval, applicable terms, conditions, and the fulfillment of underwriting conditions. Additional Costs: The displayed rates do not include charges for property taxes, insurance premiums, title fees, origination fees, or other costs that may be associated with the mortgage process. Always review the full terms and conditions before moving forward. Loan Qualifications: Loan approval and interest rates are based on borrower credit, collateral, financial history, and other factors. Not all applicants will qualify for the displayed rates. Personal Use: The mortgage rate search tool is for personal use only. Commercial or automated use of this tool is strictly prohibited. Privacy: Any personal information submitted through the mortgage rate search option is protected under our Privacy Policy. We respect the confidentiality of your information and will not share it with unauthorized third parties. Limitation of Liability: To the fullest extent permissible by applicable law, HHL Group, a Divisions of Luminate Home Loans, Inc., a wholly-owned subsidiary of Luminate Bank, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. HHL Group does not warrant that the mortgage rate search function will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. By using this mortgage rate search tool, you acknowledge that you have read, understood, and agreed to this disclaimer. We recommend consulting with one of our mortgage professionals to get a more precise and personalized rate quote. [/vc_column_text][/toggle][/toggles][/vc_column][/vc_row] --- - [Licensing](https://www.hhlnorthwest.com/disclosure-and-licenses/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir… [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]This ad is not from HUD, VA or FHA and was not reviewed or approved by any government agencies. For licensing information, go to: www.nmlsconsumeraccess.org | Please review our Disclosures & Licensing information. HHL Group (Hereafter HHL Group) has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. Equal Housing Lender. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact the HHL Group for more information and up-to-date rates. Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org[/vc_column_text][/vc_column][/vc_row] --- - [Sitemap](https://www.hhlnorthwest.com/sitemap/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir… [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] [rank_math_html_sitemap] [/vc_column_text][/vc_column][/vc_row] --- - [Tony Byrne](https://www.hhlnorthwest.com/tonybyrne/): In 2019 I was named one of the Top Military Loan Originators by National Mortgage Professional Magazine. I would be honored to be your Lender for Life! [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”4635″ image_size=”medium” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” position_desktop=”relative”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] ## Tony Byrne (The Spokane Mortgage Guy) Loan Officer – Retail Lending[/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”9″ divider_color=”extra-color-1″][vc_column_text text_direction=”default”]NMLS#1016763 1227 N Argonne Rd, Suite B, Spokane Valley, WA 99212[/vc_column_text][vc_column_text]I started with HHL Group in 2013. I specialize in helping veterans and first-time homebuyers purchase homes. Over the years I have noticed that the real estate market seems to work against these groups. In both cases, misinformation leads to home buyers paying too much for their mortgage or not getting an offer accepted on the home they want. I work closely with local real estate agents to ensure that financing won’t get in the way of purchasing your home. In 2019 I was named one of the Top Military Loan Originators by National Mortgage Professional Magazine. I would be honored to be your Lender for Life![/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] 509-991-3493 [/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] tony@hhlnorthwest.com [/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”Apply Now” url=”https://apply.citywidehm.com/apply/loan-purpose?emp-id=36449″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”HELOC” url=”https://api.fsp.rate.com/apply/redirect/heloc?tenant-id=gri&gr_company=Citywide&emp-id=36449″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”40″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5137″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- - [Purchase](https://www.hhlnorthwest.com/purchase/) --- - [Jumbo](https://www.hhlnorthwest.com/jumbo/) --- - [Ty Windhorst](https://www.hhlnorthwest.com/tywindhorst/): I approach every situation with the utmost respect, honesty, and integrity that my clients rely upon and trust! I look forward to serving you and obtaining your goals. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”4632″ image_size=”medium” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” position_desktop=”relative”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] ## Ty Windhorst Branch Manager – Retail Lending[/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”9″ divider_color=”extra-color-1″][vc_column_text text_direction=”default”]NMLS#934314 1227 N Argonne Rd, Suite B, Spokane Valley, WA 99212[/vc_column_text][vc_column_text text_direction=”default”]I have lived in Spokane area for 25 years and am proud to call this my home! As a family, we love our Lord and Savior Jesus Christ and do everything through him. We love to go camping, and fish for anything that swims in the lakes and rivers of the Pacific Northwest. Our referral and Agent Partners love our team because they always know where their clients are at in the loan process and the fact that we send out weekly status updates during the entire loan transaction. I am committed to my business partners and finding my customers the best loan products that meet their long term financial goals. I approach every situation with the utmost respect, honesty, and integrity that my clients rely upon and trust![/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] 406-360-0594 [/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] ty@hhlnorthwest.com [/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”Apply Now” url=”https://apply.citywidehm.com/apply/loan-purpose?gr_company=cit&AdTrk=%7Cseo%7Canswers%7Cyext%7C36540%7C&langPref=en&loId=36540&emp-id=36540&emp_id=36540&loid=36540″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”HELOC” url=”https://api.fsp.rate.com/apply/redirect/heloc?tenant-id=gri&gr_company=Citywide&emp-id=36540″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”40″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5137″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- - [Todd Phenneger](https://www.hhlnorthwest.com/toddphenneger/): Whether someone is buying their first fixer upper for under $100,000 or buying their dream lakefront home for 1 Million dollars, I treat every situation and individual as unique. The only commonality is my service, excellent communication and honest up-front attitude. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”4724″ image_size=”medium” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” position_desktop=”relative”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text text_direction=”default”] ## Todd Phenneger Branch Manager – Retail Lending[/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”9″ divider_color=”extra-color-1″][vc_column_text text_direction=”default”]NMLS#1363370 1227 N Argonne Rd, Suite B, Spokane Valley, WA 99212[/vc_column_text][vc_column_text]I am a local who has grown up in Spokane, went to College in Idaho, and lived in Seattle for many years. After that, I lived in Central America, New York, and have now moved back to be close to family and raise my own family. I am a licensed Mortgage Loan Originator (Loan Officer) in Washington and Idaho. I enjoy helping people buy their dream homes and take great pride in not only doing the best I can for them, but educating people on the process. I am straight with clients and if someone can’t be qualified immediately, I will outline a specific plan for them and educate them on the exact steps they need to follow to qualify for a home.[/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] 509-944-6206 [/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] todd@hhlnorthwest.com [/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”Apply Now” url=”https://apply.citywidehm.com/apply/loan-purpose?emp-id=36461″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”HELOC” url=”https://api.fsp.rate.com/apply/redirect/heloc?tenant-id=gri&gr_company=Citywide&emp-id=36461″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”40″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5137″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- - [Brad Patshkowski](https://www.hhlnorthwest.com/bradpatshkowski/): Brad Patshkowski has been lending in Spokane and Eastern Washington and Idaho since 2006. He has closed hundreds of Purchase and Refinance loans for your friends, family, and neighbors. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”5922″ image_size=”medium” max_width=”100%” max_width_mobile=”default” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” box_shadow=”none” image_loading=”default” position_desktop=”relative”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] ## Brad Patshkowski Loan Officer – Retail Lending[/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”9″ divider_color=”extra-color-1″][vc_column_text text_direction=”default”]NMLS#71298 1227 N Argonne Rd, Suite B, Spokane Valley, WA 99212[/vc_column_text][vc_column_text css=”” text_direction=”default”]Brad Patshkowski is a mortgage lender in Spokane Valley with 19+ years of experience helping homebuyers and homeowners across Spokane, Spokane Valley, Liberty Lake, Mead, Otis Orchards, and North Idaho. Brad specializes in FHA loans, VA loans, Conventional mortgages, USDA loans, refinancing, and first-time homebuyer programs. With the power of HHL Group, and Lending Partner Canopy Mortgage, LLC, Brad combines local expertise with national resources. Start anytime with a secure 24/7 online mortgage application, then work directly with Brad for clear, stress-free guidance and the right loan for your goals. 👉 View Brad on Google Maps![/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] 509-230-3765 [/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] bpatshkowski@canopymortgage.com [/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”left” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_btn size=”large” 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overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5137″ image_size=”full” 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We have a complete list of terms and definitions to help you towards your dream of home ownership. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] # Mortgage Glossary   ### 5/1 Adjustable Rate Mortgage A 5/1 adjustable rate mortgage (ARM) or 5-year ARM is a mortgage loan where “5” is the number of years your initial interest rate will stay fixed. The “1” represents how often your interest rate will adjust after the initial five-year period ends. The most common fixed periods are 3, 5, 7, and 10 years and “1,” is the most common adjustment period. It’s important to carefully read the contract and ask questions if you’re considering an ARM. ### Ability-to-repay rule The ability-to-repay rule is the reasonable and good faith determination most mortgage lenders are required to make that you are able to pay back the loan. ### Adjustable Rate Mortgage (ARM) An adjustable rate mortgage (ARM) is a type of loan for which the interest rate can change, usually in relation to an index interest rate. Your monthly payment will go up or down depending on the loan’s introductory period, rate caps, and the index interest rate. With an ARM, the interest rate and monthly payment may start out lower than for a fixed-rate mortgage, but both the interest rate and monthly payment can increase substantially. ### Amortization Amortization means paying off a loan with regular payments over time, so that the amount you owe decreases with each payment. Most home loans amortize, but some mortgage loans do not fully amortize, meaning that you would still owe money after making all of your payments. Some home loans allow payments that cover only the amount of interest due, or an amount less than the interest due. If payments are less than the amount of interest due each month, the mortgage balance will grow rather than decrease.  This is called negative amortization. Other loan programs that do not amortize fully during the loan may require a large, lump sum “balloon” payment at the end of the loan term. Be sure you know what type of loan you are getting. ### Amount financed It means the amount of money you are borrowing from the lender, minus most of the upfront fees the lender is charging you. ### Annual income Annual income is a factor in a mortgage loan application and generally refers to your total earned, pre-tax income over a year. Annual income may include income from full-time or part-time work, self-employment, tips, commissions, overtime, bonuses, or other sources.  A lender will use information about your annual income and your existing monthly debts to determine if you have the ability to repay the loan. Whether a lender will rely upon a specific income source or amount when considering you for a loan will often depend upon whether you can reasonably expect the income to continue. ### Annual Percentage Rate (APR) An annual percentage rate (APR) is a broader measure of the cost of borrowing money than the interest rate. The APR reflects the interest rate, any points, mortgage broker fees, and other charges that you pay to get the loan. For that reason, your APR is usually higher than your interest rate. ### Appraisal fee An appraisal fee is the cost of a home appraisal of a house you plan to buy or already own. Home appraisals provide an independent assessment of the value of the property. In most cases, the selection of the appraiser and any associated costs is up to your lender. ### Automatic payment Automatic payments allow you to set up recurring mortgage payments through your bank. Automatic payments can be a convenient way to make sure that you make your payments on time. ### Balloon loan For mortgages, a balloon loan means that the loan has a larger-than-usual, one-time payment, typically at the end of the loan term. This one-time payment is called a “balloon payment, and it is higher than your other payments, sometimes much higher. If you cannot pay the balloon amount, you might have to refinance, sell your home, or face foreclosure. ### Bi-weekly payment In a bi-weekly payment plan, the mortgage servicer is collecting half of your monthly payment every two weeks, resulting in 26 payments over the course of the year (totaling one extra monthly payment per year). By making additional payments and applying your payments to the principal, you may be able to pay off your loan early. Before choosing a bi-weekly payment, be sure to review your loan terms to see if you will be subject to a prepayment penalty if you do so. Check if your servicer charges any fees for a bi-weekly payment plan. You may be able to accomplish the same goal without the fee by making an extra monthly mortgage payment each year. ### Closing Disclosure A Closing Disclosure is a required five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage. ### Construction loan A construction loan is usually a short-term loan that provides funds to cover the cost of building or rehabilitating a home. ### Conventional loan A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). ### Co-signer or co-borrower A co-signer or co-borrower is someone who agrees to take full responsibility to pay back a mortgage loan with you. This person is obligated to pay any missed payments and even the full amount of the loan if you don’t pay. Some mortgage programs distinguish a co-signer as someone who is not on the title and does not have any ownership interest in the mortgaged home. Having a co-signer or co-borrower on your mortgage loan gives your lender additional assurance that the loan will be repaid. But your co-signer or co-borrower’s credit record and finances are at risk if you don’t repay the loan. ### Credit history A credit history is a record of your credit accounts and your history of paying on time as shown in your credit report. Consumer reporting companies, also known as credit reporting companies, collect and update information about your credit record and provide it to other businesses, which use it make decisions about you. Credit reports have information about your credit activity and current credit situation such as your loan paying history and the status of your credit accounts. ### Credit report A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Lenders use your credit scores and the information on your credit report to determine whether you qualify for a loan and what interest rate to offer you. ### Credit score A credit score predicts how likely you are to pay back a loan on time. Companies use a mathematical formula—called a scoring model—to create your credit score from the information in your credit report. There are different scoring models, so you do not have just one credit score. Your scores depend on your credit history, the type of loan product, and even the day when it was calculated. ### Debt ratio Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow. ### Deed-in-lieu of foreclosure A deed-in-lieu of foreclosure is an arrangement where you voluntarily turn over ownership of your home to the lender to avoid the foreclosure process. A deed-in-lieu of foreclosure may help you avoid being personally liable for any amount remaining on the mortgage. If you live in a state in which you are responsible for any deficiency, which is a difference between the value of your property and the amount you still owe on your mortgage loan, you will want to ask your lender to waive the deficiency. If the lender waives the deficiency, get the waiver in writing and keep it for your records. A deed-in-lieu of foreclosure is one type of loss mitigation. ### Delinquent Delinquent is another term for being late on your payments. Your loan can become delinquent when you miss a payment or don’t make a full payment by the due date. After you are delinquent for a certain period of time, a lender or servicer may begin the foreclosure process. The amount of time can vary by state. Federal rules may also apply to when the foreclosure may start. ### Demand feature The Closing Disclosure has a statement that reads “Your loan has a demand feature,” which is checked “yes” or “no.” A demand feature permits the lender to require early repayment of the loan. ### Down payment A down payment is the amount you pay toward the home upfront. You put a percentage of the home’s value down and borrow the rest through your mortgage loan. Generally, the larger the down payment you make, the lower the interest rate you will receive and the more likely you are to be approved for a loan. ### Down payment programs or grants A down payment grant or program typically refers to assistance provided by an organization such as a government or non-profit agency, to a homebuyer to assist them with the down payment for a home purchase. The funds may be provided as an outright grant or may require repayment, such as when the home is sold. ### Earnest money Earnest money is a deposit a buyer pays to show good faith on a signed contract agreement to buy a home. The deposit is held by a seller or third party like a real estate agent or title company. If the home sale is finalized or “closed” the earnest money may be applied to closing costs or the down payment. If the contract is terminated for a permissible reason, the earnest money is returned to the buyer. If the buyer does not perform in good faith, the earnest money may be forfeited and paid out to the seller. ### Equity Equity is the amount your property is currently worth minus the amount of any existing mortgage on your property. ### Escrow An escrow account is set up by your mortgage lender to pay certain property-related expenses, like property taxes and homeowner’s insurance. A portion of your monthly payment goes into the account.  If your mortgage doesn’t have an escrow account, you pay the property-related expenses directly. ### Fannie Mae The Federal National Mortgage Association (Fannie Mae) purchases and guarantees mortgages from lending institutions in an effort to increase affordable lending. Fannie Mae is not a federal agency. It is a government-sponsored enterprise under the conservatorship of the Federal Housing Finance Agency (FHFA). ### FHA funding fee The Federal Housing Administration (FHA) requires an FHA funding fee and a monthly insurance premium (MIP) for most of its single-family programs. This upfront mortgage insurance premium is sometimes called an upfront mortgage insurance premium (UFMIP). ### FHA loan FHA loans are loans from private lenders that are regulated and insured by the Federal Housing Administration (FHA). FHA loans differ from conventional loans because they allow for lower credit scores and down payments as low as 3.5 percent of the total loan amount. Maximum loan amounts vary by county. ### FHA mortgage limits FHA mortgage limits are the dollar amount limits for qualifying mortgages that the FHA will insure as part of its single-family home mortgage program. These limits are based upon location and they may be revised each year. ### Finance charge A finance charge is the total amount of interest and loan charges you would pay over the entire life of the mortgage loan. ### First-time home buyers (FTHB) loan programs First-time home buyers (FTHB) may use a number of different types of loan programs to purchase their first home. Popular FTHB loans include programs offered by FHA, VA, USDA, Fannie Mae, and Freddie Mac with low down payments. Some programs define a FTHB as someone who hasn’t purchased a home in three years or more. ### Fixed-rate mortgage A fixed-rate mortgage is a type of home loan for which the interest rate is set when you take out the loan and it will not change during the term of the loan. ### Forbearance Forbearance is when your servicer allows you temporarily to pay your mortgage at a lower rate or temporarily to stop paying your mortgage. Your servicer may grant you forbearance if, for example, you recently lost your job, suffered from a disaster, or from an illness or injury that increased your health care costs. Forbearance is a type of loss mitigation. Depending on the kind of loan you have, there may be different forbearance options. You must contact your loan servicer to request forbearance. Remember that you will have to make up these missed or reduced payments when your forbearance period is over. ### Force-placed insurance Your servicer may require force-placed insurance when you do not have your own insurance policy or if your own policy doesn’t meet your servicer’s requirements. Force-placed insurance usually protects only the lender, not you. The servicer will charge you for the insurance. Force-placed insurance is usually more expensive than finding an insurance policy yourself. ### Foreclosure Foreclosure is when the lender or servicer takes back property after the homeowner fails to make mortgage payments. In some states, the lender has to go to court to foreclose on your property (judicial foreclosure), but other states do not require a court process (non-judicial foreclosure). Generally, borrowers must be notified if the lender or servicer begins foreclosure proceedings. Federal rules may apply to when the foreclosure may start. ### Freddie Mac The Federal Home Loan Mortgage Corporation (Freddie Mac) is a private corporation founded by Congress. Its mission is to promote stability and affordability in the housing market by purchasing mortgages from banks and other loan makers. The corporation is currently under conservatorship, under the direction of the Federal Housing Finance Agency (FHFA). ### Good Faith Estimate A Good Faith Estimate (GFE) is a form that a lender must give you when you apply for a reverse mortgage. The GFE lists basic information about the terms of the reverse mortgage loan offer. ### Government recording charges Government recording charges are fees assessed by state and local government agencies for legally recording your deed, mortgage and documents related to your home loan. ### Higher-priced mortgage loan In general, a higher-priced mortgage loan is one with an annual percentage rate, or APR, higher than a benchmark rate called the Average Prime Offer Rate. ### HOA dues If you’re interested in buying a condo, co-op, or a home in a planned subdivision or other organized community with shared services, you usually have to pay condo fees or Homeowners’ Association (HOA) dues. These fees vary widely. Condo or HOA fees are usually paid separately from your monthly mortgage payment. If you do not pay these fees, you can face debt collection efforts by the homeowner’s association and even foreclosure. ### Home appraisal An appraisal is a written document that shows an opinion of how much a property is worth. The appraisal gives you useful information about the property. It describes what makes it valuable and may show how it compares to other properties in the neighborhood. An appraisal is an independent assessment of the value of the property. ### Home equity line of credit (HELOC) A home equity line of credit (HELOC) is a line of credit that allows you to borrow against your home equity. Equity is the amount your property is currently worth, minus the amount of any mortgage on your property. Unlike a home equity loan, HELOCs usually have adjustable interest rates. For most HELOCs, you will receive special checks or a credit card, and you can borrow money for a specified time from when you open your account. This time period is known as the “draw period.” During the “draw period,” you can borrow money, and you must make minimum payments. When the “draw period” ends, you will no longer be able to borrow money from your line of credit. After the “draw period” ends you may be required to pay off your balance all at once or you may be allowed to repay over a certain period of time. If you cannot pay back the HELOC, the lender could foreclose on your home. ### Home equity loan A home equity loan (sometimes called a HEL) allows you to borrow money using the equity in your home as collateral. Equity is the amount your property is currently worth, minus the amount of any existing mortgage on your property.  You receive the money from a home equity loan as a lump sum. A home equity loan usually has a fixed interest rate – one that will not change. If you cannot pay back the HEL, the lender could foreclose on your home. ### Home inspection A home inspection is often part of the home buying process. You typically have the right to hire a home inspector to examine a property and point out its strengths and weaknesses. This is often especially helpful to test a home’s structural and mechanical systems including heating, ventilation, air conditioning, and electrical. ### Homeowners’ Association (HOA) A homeowners’ association (HOA), is typically formed to manage shared expenses such as landscaping and other maintenance costs for a planned subdivision or other organized community. Condominium HOAs take on more responsibilities including, for example, the maintenance of driveways, shared structures, and roofs. ### Homeowner’s insurance Homeowner’s insurance pays for losses and damage to your property if something unexpected happens, like a fire or burglary. When you have a mortgage, your lender wants to make sure your property is protected by insurance. That’s why lenders generally require proof that you have homeowner’s insurance. Homeowner’s insurance is not the same as mortgage insurance. ### Home purchase price A home’s purchase price is the amount agreed to by the buyer and seller to be paid to the seller to purchase the home. ### HUD The Department of Housing and Urban Development (HUD) is a government agency that helps people get and maintain quality affordable housing. They train and sponsor housing counselors all over the country. A HUD-approved housing counselor can provide you with homebuyer counseling to help you understand and evaluate your options. ### HUD-1 settlement statement The HUD-1 Settlement Statement lists all charges and credits to the buyer and to the seller in a real estate settlement, or all the charges in a mortgage refinance. You receive a HUD-1 if you apply for a reverse mortgage or if you applied for a mortgage on or before October 3, 2015. ### Index The index is a benchmark interest rate that reflects general market conditions. The index changes based on the market. Changes in the index, along with your loan’s margin, determine the changes to the interest rate for an adjustable-rate mortgage loan. ### Initial adjustment cap An initial adjustment cap is typically associated with adjustable rate mortgages (ARMs). This cap determines how much the interest rate can increase the first time it adjusts after the fixed-rate period expires. It’s common for this cap to be either two or five percent – meaning that at the first rate change, the new rate can’t be more than two (or five) percentage points higher than the initial rate during the fixed-rate period. ### Initial escrow deposit An initial escrow deposit is the amount that you will pay at closing to start your escrow account, if required by your lender. ### Interest-only loan An interest-only mortgage is a loan with scheduled payments that require you to pay only the interest for a specified amount of time. ### Interest rate An interest rate on a mortgage loan is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges you may have to pay for the loan. For example, if the mortgage loan is for $100,000 at an interest rate of 4 percent, that consumer has agreed to pay $4,000 each year he or she borrows or owes that full amount. ### Interest rate cap An interest rate cap, sometimes referred to as an annual cap, is the maximum interest rate increase that can occur annually for an adjustable rate mortgage (ARM) even if the rate would have increased more under market interest rates. For example, if this cap is two percent, the new rate can’t be more than two percentage points higher than the previous rate. ### Jumbo loan Each year Fannie Mae, Freddie Mac, and their regulator, the Federal Housing Finance Agency (FHFA), set a maximum amount for loans that they will buy from lenders. ### Lenders title insurance Lender’s title insurance protects your lender against problems with the title to your property-such as someone with a legal claim against the home. Lender’s title insurance only protects the lender against problems with the title. To protect yourself, you may want to purchase owner’s title insurance. ### Lifetime adjustment cap A lifetime adjustment cap is typically used with adjustable rate mortgages (ARMs). This cap determines how much the interest rate can increase in total, over the life of the loan. For example, if this cap is five percent, that means the rate can never be five percentage points higher than the initial rate. Some lenders may have a different or higher cap. ### Loan estimate A Loan Estimate is a three-page form that you receive after applying for a mortgage. ### Loan modification A mortgage loan modification is a change in your loan terms. The modification is a type of loss mitigation. A modification can reduce your monthly payment to an amount you can afford. Modifications may involve extending the number of years you have to repay the loan, reducing your interest rate, and/or forbearing or reducing your principal balance. If you are offered a loan modification, be sure you know how it will change your monthly payments and the total amount that you will owe in the short-term and the long-term. ### Loan-to-value ratio The loan-to-value (LTV) ratio is a measure comparing the amount of your mortgage with the appraised value of the property. The higher your down payment, the lower your LTV ratio. Mortgage lenders may use the LTV in deciding whether to lend to you and to determine if they will require private mortgage insurance. ### Loss mitigation Loss mitigation refers to the steps mortgage servicers take to work with a mortgage borrower to avoid foreclosure. Loss mitigation refers to a servicer’s responsibility to reduce or “mitigate” the loss to the investor that can come from a foreclosure. Certain loss-mitigation options may help you stay in your home. Other options may help you leave your home without going through foreclosure. Loss mitigation options may include deed-in-lieu of foreclosure, forbearance, repayment plan, short sale, or a loan modification. If you are having trouble making your mortgage payments, or if you have been offered and are considering various loss mitigation options, reach out to a Department of Housing and Urban Development (HUD)-approved housing counselor. You can use the CFPB’s “Find a Counselor” tool to get a list of housing counseling agencies in your area that are approved by HUD. You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673). ### Margin The margin is the number of percentage points added to the index by the mortgage lender to set your interest rate on an adjustable-rate mortgage (ARM) after the initial rate period ends. The margin is set in your loan agreement and won’t change after closing. The margin amount depends on the particular lender and loan. ### Monthly expenses This is how much you spend every month. It can include, but is not limited to, recurring obligations like rent or mortgage payment, utilities, car payments, child support payments, and insurance payments, as well as essentials like food. Most of these obligations will have a fixed due date. ### Mortgage A mortgage is an agreement between you and a lender that allows you to borrow money to purchase or refinance a home and gives the lender the right to take your property if you fail to repay the money you’ve borrowed. ### Mortgage closing checklist A mortgage closing checklist is a list of steps that you can use to prepare and learn what to expect.  It can help you identify key questions to ask ahead of time so that you can close with confidence. ### Mortgage closing costs Mortgage closing costs are all of the costs you will pay at closing. This includes origination charges, appraisal fees, credit report costs, title insurance fees, and any other fees required by your lender or paid as part of a real estate mortgage transaction. Lenders are required to provide a summary of these costs to you in the Loan Estimate. ### Mortgage insurance Mortgage insurance protects the lender if you fall behind on your payments. Mortgage insurance is typically required if your down payment is less than 20 percent of the property value. Mortgage insurance also is typically required on FHA and USDA loans. However, if you have a conventional loan and your down payment is less than 20 percent, you will most likely have private mortgage insurance (PMI). ### Mortgage loan modification A mortgage loan modification is a change in your loan terms. The modification is a type of loss mitigation. ### Mortgage refinance Mortgage refinance is when you take out a new loan to pay off and replace your old loan. Common reasons to refinance are to lower the monthly interest rate, lower the mortgage payment, or to borrow additional money. When you refinance, you usually have to pay closing costs and fees. If you refinance and get a lower monthly payment, make sure you understand how much of the reduction is from a lower interest rate and how much is because your loan term is longer. ### Mortgage term The term of your mortgage loan is how long you have to repay the loan. For most types of homes, mortgage terms are typically 15, 20 or 30 years. ### Origination Fee An origination fee is what the lender charges the borrower for making the mortgage loan.  The origination fee may include processing the application, underwriting and funding the loan, and other administrative services. Origination fees generally can only increase under certain circumstances. ### Owner’s title insurance Owner’s title insurance provides protection to the homeowner if someone sues and says they have a claim against the home from before the homeowner purchased it. ### Pace financing PACE financing provides a way to fund energy efficiency home improvements. ### Payoff amount Your payoff amount is how much you will actually have to pay to satisfy the terms of your mortgage loan and completely pay off your debt. Your payoff amount is different from your current balance. Your current balance might not reflect how much you actually have to pay to completely satisfy the loan. Your payoff amount also includes the payment of any interest you owe through the day you intend to pay off your loan. The payoff amount may also include other fees you have incurred and have not yet paid. ### PCS orders Active duty servicemembers may be given permanent change of station (PCS) orders. PCS orders are an official relocation of a servicemember (and any family living with them) to a different duty location.  If the servicemember owns a home, they may choose to sell it. If the servicemember owes more on the home than the home is worth, they may have trouble selling their home. Some servicers offer programs to allow servicemembers to sell their home and not have to pay back the rest of the loan balance. ### PITI Principal, Interest, Taxes, and Insurance, known as PITI, are the four basic elements of a monthly mortgage payment. ### PMI Private Mortgage Insurance (PMI) is a type of mortgage insurance that benefits your lender.  You might be required to pay for PMI if your down payment is less than 20 percent of the property value and you have a conventional loan. You may be able to cancel PMI once you’ve accumulated a certain amount of equity in your home. ### Prepaid interest charges Prepaid interest charges are charges due at closing for any daily interest that accrues on your loan between the date you close on your mortgage loan and the period covered by your first monthly mortgage payment. ### Prepayment penalty A prepayment penalty is a fee that some lenders charge if you pay off all or part of your mortgage early. If you have a prepayment penalty, you would have agreed to this when you closed on your home. Not all mortgages have a prepayment penalty. ### Principal The principal is the amount of a mortgage loan that you have to pay back. Your monthly payment includes a portion of that principal. When a payment on the principal is made, the borrower owes less, and will pay less interest based upon a lower loan size. ### Property taxes Property taxes are taxes charged by local jurisdictions, typically at the county level, based upon the value of the property being taxed. Often, property taxes are collected within the homeowner’s monthly mortgage payment, and then paid to the relevant jurisdiction one or more times each year. This is called an escrow account. If the loan does not have an escrow account, then the homeowner will pay the property taxes directly. ### Qualified mortgage A Qualified Mortgage is a category of loans that have certain, more stable features that help make it more likely that you’ll be able to afford your loan. ### Qualified Written Request (QWR) A Qualified Written Request, or QWR, is written correspondence that you or someone acting on your behalf can send to your mortgage servicer. Instead of a QWR, you can also send your servicer a Notice of Error or a Request for Information. ### Repayment plan A repayment plan is a structured way to make up your missed mortgage loan payments over a certain period of time. This is a type of loss mitigation. If you have trouble making your mortgage payments, your lender or servicer may allow you to enter into a repayment plan. Before entering into a repayment plan, make sure you understand the requirements of the plan and whether you will be able to make the new payments. ### Reverse mortgage A reverse mortgage allows homeowners age 62 or older to borrow against their home equity. It is called a “reverse” mortgage because, instead of making payments to the lender, you receive money from the lender. The money you receive, and the interest charged on the loan, increases the balance of your loan each month. Most reverse mortgages today are called HECMs, short for Home Equity Conversion Mortgage. ### Right of rescission The right of rescission refers to the right of a consumer to cancel certain types of loans. If you are buying a home with a mortgage, you do not have a right to cancel the loan once the closing documents are signed. However, if you are refinancing a mortgage, you have until midnight of the third business day after the transaction to rescind (cancel) the mortgage contract. The three-day clock does not start until you sign the credit contract (usually called the promissory note), you receive a Truth in Lending disclosure form, and you receive two copies of a notice explaining your right to rescind. ### Second mortgage A second mortgage or junior lien is a loan you take out using your house as collateral while you still have another loan secured by your house. ### Security interest The security interest is what lets the lender foreclose if you don’t pay back the money you borrowed. ### Seller financing Seller financing is a loan that the seller of your home makes to you. ### Servicer Your mortgage servicer is the company that sends you your mortgage statements. Your servicer also handles the day-to-day tasks of managing your loan. Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, and manages your escrow account (if you have one). The loan servicer may initiate foreclosure under certain circumstances. Your servicer may or may not be the same company that originally gave you your loan. ### Shared appreciation mortgage Under a shared appreciation mortgage, you agree to give your lender a share of any increase in the value of your home. ### Short sale A short sale is a sale of your home for less than what you owe on your mortgage. A short sale is an alternative to foreclosure, but because it is a sale, you will have to leave your home. If your lender or servicer agrees to a short sale, you may be able to sell your home to pay off your mortgage, even if the sale price or proceeds turn out to be less than the balance remaining on your mortgage. A short sale is a type of loss mitigation. If you live in a state in which you are responsible for any deficiency, which is the difference between the value of your property and the amount you still owe on your mortgage loan, you will want to ask your lender to waive the deficiency. If the lender waives the deficiency, get the waiver in writing and keep it for your records. ### Subprime mortgage When lenders use the term, they generally mean a loan program for borrowers who do not qualify for a prime loan, often with a higher interest rate. ### Survey A survey is a drawing of your property showing the location of the lot, the house and any other structures, as well as any improvements on the property. ### Title service fees Title service fees are part of the closing costs you pay when getting a mortgage. When you purchase a home, you receive a document most often called a deed, which shows the seller transferred their legal ownership, or “title,” to the home to you. Title service fees are costs associated with issuing a title insurance policy for the lender. ### Total interest percentage (TIP) The Total Interest Percentage (TIP) is a disclosure that tells you how much interest you will pay over the life of your mortgage loan. ### Total of payments This number tells you the total amount of money you will have paid over the life of your mortgage. ### TRID “TRID” is an acronym that some people use to refer to the TILA RESPA Integrated Disclosure rule. ### USDA Loan The Rural Housing Service, part of the U.S. Department of Agriculture (USDA) offers mortgage programs with no down payment and generally favorable interest rates to rural homebuyers who meet the USDA’s income eligibility requirements. ### VA loan A VA loan is a loan program offered by the Department of Veterans Affairs (VA) to help servicemembers, veterans, and eligible surviving spouses buy homes.  The VA does not make the loans but sets the rules for who may qualify and the mortgage terms. The VA guarantees a portion of the loan to reduce the risk of loss to the lender. The loans generally are only available for a primary residence.[/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_raw_js]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[/vc_raw_js][/vc_column][/vc_row] --- - [ADA Accessibility Statement](https://www.hhlnorthwest.com/ada-accessibility-statement/): HHL Group, hereafter (“HHL Group”, “we”, “us,” or “our”), is committed to providing a website that is accessible to all its customers and compliant with acce… HHL Group, hereafter (“HHL Group”, “we”, “us,” or “our”), is committed to providing a website that is accessible to all its customers and compliant with accessibility guidelines. We are continually making improvements to meet these guidelines, and our website has been designed with accessibility in mind. The HHL Group is committed to facilitating the accessibility of its website for all people with disabilities and will be implementing over time the relevant portions of the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.0 Level AA (WCAG 2.0 AA) as its web accessibility standard, which also will bring the Company into conformance with Section 508 Web Accessibility Standards developed by the United States Access Board (Section 508). While HHL Group strives to adhere to the accepted guidelines and standards for accessibility and usability, it is not always possible to do so in all areas of the website, particularly as it relates to content by third parties. HHL Group and its subsidiaries are not responsible for ensuring that third-party content, software, widgets, plug-ins or tools, which are not owned by the Company but are otherwise located on or linked to its websites, conform to WCAG 2.0 Level AA, and shall not be liable if they are inaccessible to individuals with disabilities. As efforts are ongoing, you may direct questions or concerns to 509-252-4000 or info@hhlnorthwest.com. HHL Group will make all reasonable efforts to make particular web pages accessible or otherwise accommodate customers and job applicants. --- - [DSCR Loans](https://www.hhlnorthwest.com/dscr-loans/): Discover how DSCR loans help investors qualify based on rental income—no tax returns needed. Download our free DSCR Playbook and start scaling today. [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” bg_image=”5602″ bg_image_type=”default” bg_position=”left top” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” color_overlay=”rgba(0,97,150,0.82)” overlay_strength=”0.95″ gradient_direction=”top_to_bottom” shape_divider_position=”bottom” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”fast” shape_type=”” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”left” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”5%” bottom_padding=”6%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”3/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” offset=”vc_col-xs-12″ column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”] # Scale Your Real Estate Portfolio with a DSCR Loan from the HHL Group. ## No Tax Returns. No Income Verification. Just Cash-Flow-Based Lending. Whether you’re a first-time investor or growing your rental empire, the DSCR loan gives you a smarter way to finance investment properties—based entirely on rental income. ### ✅ What is a DSCR Loan? DSCR stands for Debt Service Coverage Ratio. Instead of qualifying based on your personal income, this loan qualifies you based on the income from the property itself. If the rental income covers the mortgage payment, you’re in business. ### ✅ Why Investors LOVE DSCR Loans ✔ No tax returns or W-2s required✔ Qualify based on the property’s rental income✔ Purchase or cash-out refinance✔ Close in your LLC, Trust, or personal name✔ Fast approvals and simplified documentation✔ Perfect for both long-term and short-term rentals ### ✅ How it works - We evaluate the property’s rental income - Compare it to the monthly loan expenses - If the DSCR ratio is 1.00 or higher, you likely qualify - Close the deal—and start collecting rent [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_single_testimonial testimonial_style=”small_modern” image=”532″ color=”Default” quote=”The HHL Group helped me buy my first Investment Property, which I scaled to a portfolio of over $2M!” name=”Mike M.” subtitle=”DSCR Success Story”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”30″ bottom_padding=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bottom_padding=”40″ text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1743707388321{border-radius: 3px !important;}”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#303030″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”3/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”] ### ✅ Download our free DSCR Playbook We’ve created a free DSCR Playbook to walk you through how the strategy works, how to use it, and how to start building or scaling your portfolio. 📘 What’s inside: - Step-by-step breakdown of the DSCR loan - Purchase and refinance examples - A sample scenario of how one investor scaled to 5 properties - Pro tips for using equity to fund future deals 🎯 Whether you own one rental or ten—this guide will give you an edge. [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] 1 Step 1 Nameyour full name Emaila valid emailemail Phone Numberbest contact # By checking this box, I agree to Guaranteed Rate, Inc. D/B/A HHL Group's SMS Terms, Privacy Policy, Terms of Use, and CA Terms of Use, located in our Privacy Policy. Download keyboard_arrow_leftPrevious Nextkeyboard_arrow_right [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_margin=”20″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”3/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][toggles style=”default” accordion=”true” accordion_starting_functionality=”closed” border_radius=”none”][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What is a DSCR loan?”][vc_column_text css=”” text_direction=”default”]A DSCR loan (Debt Service Coverage Ratio loan) is a type of real estate investment loan that qualifies the borrower based on the property’s rental income—not personal income, tax returns, or employment history. If the property’s rental income covers the monthly expenses, you’re typically eligible.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How is DSCR calculated for a rental property loan?”][vc_column_text css=”” text_direction=”default”] DSCR is calculated by dividing the property’s gross rental income by its monthly debt obligations (mortgage, taxes, insurance, HOA fees).Example:$2,000 monthly rent ÷ $1,800 expenses = 1.11 DSCR A DSCR of 1.00 or higher is ideal for approval and best rates. [/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What is the minimum DSCR to qualify for a loan?”][vc_column_text css=”” text_direction=”default”]At HHL Group, we typically start qualifying borrowers at a 1.00 DSCR ratio, meaning the property’s income covers the loan payment. In some cases, we can approve loans down to 0.75 DSCR, though pricing may be higher.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Who can use a DSCR loan?”][vc_column_text css=”” text_direction=”default”] DSCR loans are available to real estate investors purchasing or refinancing non-owner-occupied properties.You can qualify as: - An Individual Investor - Trust - LLC This loan is ideal for both new investors and seasoned pros looking to scale. [/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Can I use a DSCR loan to refinance a rental property?”][vc_column_text css=”” text_direction=”default”]Yes! DSCR loans can be used for cash-out refinances as well as rate-and-term refis. Many investors use them to access equity and fund future investments—without needing to show tax returns or W2s.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Can I buy a rental property with a DSCR loan in an LLC?”][vc_column_text css=”” text_direction=”default”]Absolutely. One of the biggest benefits of a DSCR loan is that you can close in your LLC or Trust, allowing you to protect your assets and keep your investing business separate from personal finances.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What types of properties are eligible for a DSCR loan?”][vc_column_text css=”” text_direction=”default”] DSCR loans typically work for: - Single-family rentals (SFR) - Condos and townhomes - 2–4 unit properties - Some short-term rentals (Airbnb/VRBO) — based on actual or market rent Note: Vacation or second homes generally do not qualify. [/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are the credit score and loan limits for DSCR loans?”][vc_column_text css=”” text_direction=”default”] At HHL Group, we offer: - Minimum credit score: 660 - Loan amounts: $75,000 to $3,000,000 - Max LTV: 80% for purchases, 75% for cash-out refinances - Prepayment penalty options: 0 to 5 years [/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How fast can I close a DSCR loan?”][vc_column_text css=”” text_direction=”default”] Most DSCR loans can close in 3–4 weeks, depending on appraisal timing and documentation. They’re typically faster than conventional investment loans since there’s no income verification process. An extended closing time may be necessary for unique or rural properties, due to appraisal timeframes. [/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Is a DSCR loan good for first-time investors?”][vc_column_text css=”” text_direction=”default”]Yes! DSCR loans are a great way for first-time real estate investors to start building a portfolio—especially if they don’t qualify for traditional financing based on W2 income or self-employment documents.[/vc_column_text][/toggle][/toggles][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact HHL Group for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. HHL Group does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by HHL Group, and/or its affiliates and subsidiaries. We do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. HHL Group does not provide tax advice. Please contact your tax adviser for any tax related questions. Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. Contact HHL Group for more information. Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. VA Cash-out Refinance not available in Texas. HHL Group has no affiliation with the US Department of Veterans Affairs. Contact HHL Group for more information.[/vc_column_text][/vc_column][/vc_row] --- - [Debt Consolidation Refinance](https://www.hhlnorthwest.com/debt-consolidation-refinance-2025/): Explore how debt consolidation refinance can simplify your finances and reduce monthly payments with HHL Group's expert guidance. [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” bg_image=”5602″ bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” color_overlay=”rgba(4,99,150,0.82)” overlay_strength=”0.95″ gradient_direction=”top_to_bottom” shape_divider_position=”bottom” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”fast” shape_type=”” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”left” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_row_inner content_placement=”top” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”5%” bottom_padding=”6%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”3/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” offset=”vc_col-xs-12″ column_padding_type=”default” gradient_type=”default”][nectar_highlighted_text color_type=”regular” highlight_color=”#ff1053″ style=”half_text” text_direction=”default”] # Lower Your Debt with a Cash-Out Refinance! ## Turn Your Home Equity into Financial Freedom Are you struggling with high-interest debt? A cash-out refinance allows you to consolidate your debt into one low monthly payment—potentially saving you thousands in interest. ## Why Refinance for Debt Consolidation? ✅ Lower Your Monthly Payments ✅ Pay Off Credit Cards & Loans ✅ One Simple Payment ✅ No Upfront Costs ### How It Works 1️⃣ Check Your Options – Get a free, no-obligation review of your refinance options. 2️⃣ Get Approved – Our team will handle the paperwork and guide you through the process. 3️⃣ Pay Off Debt – Once your loan closes, your high-interest balances are gone, and you enjoy a lower monthly payment![/nectar_highlighted_text][divider line_type=”No Line”][vc_column_text css=”” text_direction=”default”] 1 Loan PurposeDebt ConsolidationLower My PaymentReduce My Term Current Balance Estimated Value Property UsePrimary2nd HomeInvestment Property TypeSingle FamilyCondoTownhome2 Unit3-4 Unit Name Email Phone By checking this box, I agree to Guaranteed Rate, Inc. D/B/A HHL Group's SMS Terms, Privacy Policy, Terms of Use, and CA Terms of Use, which includes my agreement to arbitrate any claims I may have against Rate, and I also consent by electronic signature to receive calls and text messages from Rate made by any means or technology, including prerecorded message, artificial voice, artificial intelligence, automated telephone dialing system or other automated system for the selection or dialing of phone numbers, for informational, marketing or any other purposes at the phone number I have provided. Message frequency varies. I also understand that my consent to such calls and text messages is not required or a condition of any purchase from Rate. You may opt out at any time by emailing us a Do Not Call Request at DNC@rate.com and providing your phone number. Message and data rates may apply. Text HELP for help. Text STOP to unsubscribe from text messages. Privacy Policy. See My Options keyboard_arrow_leftPrevious Nextkeyboard_arrow_right [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_single_testimonial testimonial_style=”small_modern” image=”565″ color=”Default” quote=”The HHL Group was great to work with! Very straightforward and prompt. Wouldn’t go anywhere else!” name=”Cindy” subtitle=”Cash Out Refinance”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_margin=”20″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] ## Frequently Asked Questions (FAQs) [/vc_column_text][toggles style=”default” accordion=”true” accordion_starting_functionality=”closed” border_radius=”none”][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What is a debt consolidation refinance?”][vc_column_text css=”” text_direction=”default”]A debt consolidation refinance is when you take out a new mortgage loan to replace your current mortgage while pulling out cash from your home equity. The extra cash can be used to pay off high-interest debts like credit cards, personal loans, and auto loans—giving you one lower monthly payment instead of multiple bills.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How does a cash-out refinance help with debt consolidation?”][vc_column_text css=”” text_direction=”default”]✅ Lower your total monthly payments by replacing high-interest debt with a lower mortgage rate. ✅ Simplify your finances with one easy-to-manage mortgage payment. ✅ Improve your credit score by reducing your credit utilization.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How much cash can I take out with a refinance?”][vc_column_text css=”” text_direction=”default”]Most lenders allow you to borrow up to 80% of your home’s value for a cash-out refinance on a conventional loan. However, FHA and VA cash-out refinances may allow higher loan-to-value (LTV) percentages. The exact amount you qualify for depends on your home equity, credit score, and loan type.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Will my mortgage payment increase with a debt consolidation refinance?”][vc_column_text css=”” text_direction=”default”]Not necessarily! While you are increasing your loan balance to pay off debt, your total monthly payments will likely decrease because mortgage rates are typically much lower than credit card and personal loan interest rates.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What credit score do I need for a cash-out refinance?”][vc_column_text css=”” text_direction=”default”]The minimum credit score requirement varies by loan type. Even if your credit isn’t perfect, we can help explore options to get you approved.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are the closing costs for a cash-out refinance?”][vc_column_text css=”” text_direction=”default”]Closing costs typically range from 2% to 5% of the loan amount and may include lender fees, appraisal costs, and title insurance. The good news? Many borrowers can roll closing costs into the loan to avoid upfront expenses.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Does a debt consolidation refinance hurt my credit score?”][vc_column_text css=”” text_direction=”default”]Your credit score may dip slightly when the new mortgage replaces your existing one. However, since you’re paying off high-interest debts, your credit utilization drops—which can improve your score over time.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How long does the refinance process take?”][vc_column_text css=”” text_direction=”default”]A cash-out refinance usually takes 2-4 weeks from application to funding, depending on factors like home appraisal timing and lender processing speed.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Is a debt consolidation refinance right for me?”][vc_column_text css=”” text_direction=”default”]If you have high-interest debt and sufficient home equity, a cash-out refinance could: ✅ Save you money on interest ✅ Reduce your monthly payments ✅ Improve your financial stability The best way to know for sure? Get a free, no-obligation review of your options today! 📞 Have more questions? Call 509-252-4000 to speak with a loan expert today![/vc_column_text][/toggle][/toggles][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. HHL Group does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by HHL Group, Rate, Inc., and/or its affiliates and subsidiaries. We do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. HHL Group does not provide tax advice. Please contact your tax adviser for any tax related questions. Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. Contact HHL Group for more information. Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. VA Cash-out Refinance not available in Texas. HHL Group has no affiliation with the US Department of Veterans Affairs. Contact HHL Group for more information. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact HHL Group for current rates. Restrictions apply.[/vc_column_text][/vc_column][/vc_row] --- - [Loansaver](https://www.hhlnorthwest.com/loansaver/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir… [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5133″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- - [Who We Are](https://www.hhlnorthwest.com/about-us/): HHL Group is made of people who care about our community-members and give thoughtful advice on their entire financial wellbeing. [vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”padding-10-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#f4f4f4″ background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”Our Company Values” font_container=”tag:h5|text_align:left|color:%23bfbfbf” use_theme_fonts=”yes” css=”.vc_custom_1486408368541{margin-bottom: 10px !important;}”][vc_custom_heading text=”We provide an honest approach to lending in our communities, because we live here too.” font_container=”tag:h2|font_size:40|text_align:left|line_height:50px” use_theme_fonts=”yes”][vc_custom_heading text=”HHL Group was built on a foundation of ethical lending, financial stewardship, and a work-ethic not be outmatched. We pride ourselves in providing opportunity for our community-members across the country, to realize the prosperity that comes from home ownership. We are truly motivated by the financial success of everyone we work with.” font_container=”tag:p|text_align:left|color:rgba(10%2C10%2C10%2C0.6)” use_theme_fonts=”yes”][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”3251″ background_image_position=”center center” background_image_stacking=”default” enable_bg_scale=”true” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][/vc_column][/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”4487″ background_image_position=”center center” background_image_stacking=”default” enable_bg_scale=”true” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][/vc_column][vc_column column_padding=”padding-10-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#ffffff” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”A Little Of Our Story” font_container=”tag:h5|text_align:left|color:%23bfbfbf” use_theme_fonts=”yes” css=”.vc_custom_1486408382586{margin-bottom: 10px !important;}”][vc_custom_heading text=”We are here to make your experience memorable, not stressful!” font_container=”tag:h2|font_size:40|text_align:left|line_height:50px” use_theme_fonts=”yes” css=””][vc_custom_heading text=”We established ourselves in 2006, with our first office of just 4 employees. Our business was built on the idea that if we served our customers thoughtfully, they would refer their friends and loved ones to us. We were right! Since our first loan was funded, we have built an incredible, community-driven business and have helped thousands of our local friends and neighbors buy, and refinance their homes. It is not only an honor for us, but a testament to our values.” font_container=”tag:p|text_align:left|color:rgba(10%2C10%2C10%2C0.6)” use_theme_fonts=”yes” css=””][nectar_btn size=”large” button_style=”see-through-2″ hover_text_color_override=”#ffffff” icon_family=”none” url=”https://www.hhlnorthwest.com/our-team/” text=”Meet Our Team” margin_top=”30″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] --- - [Mortgage 101](https://www.hhlnorthwest.com/mortgage-101/): Learn More about the Mortgage Process, loan programs, tips and tricks, and much more about the real estate industry. --- - [Frequently Asked Mortgage Questions](https://www.hhlnorthwest.com/frequently-asked-mortgage-questions/): Find answers to the most requested mortgage questions, and learn more about the loan process, so you are prepared to purchase your next home! [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”3/4″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] # Frequently Asked Mortgage Questions Do you have questions about the mortgage process, we can help! Here are some answers to the most common mortgage questions to get you the info you need.[/vc_column_text][toggles style=”minimal” accordion=”true” accordion_starting_functionality=”default”][toggle color=”Default” title=”What is a Mortgage?”][vc_column_text]A mortgage is a loan used to finance the purchase of a property, usually a home. The property itself serves as collateral for the loan, and the borrower is required to make regular payments until the loan is paid off.[/vc_column_text][/toggle][toggle color=”Default” title=”What is the difference between a Fixed-Rate and Adjustable-Rate Mortgage?”][vc_column_text]A fixed-rate mortgage has an interest rate that stays the same for the entire term of the loan, while an adjustable-rate mortgage (ARM) has an interest rate that can change periodically, based on market conditions.[/vc_column_text][/toggle][toggle color=”Default” title=”What is a Down Payment on a Mortgage?”][vc_column_text]The down payment is the amount of money you pay upfront when you buy a property. It is typically expressed as a percentage of the property’s purchase price. For example, if you are buying a home for $200,000 and the down payment is 10%, you would need to pay $20,000 upfront.[/vc_column_text][/toggle][toggle color=”Default” title=”How much down Payment do I need to make?”][vc_column_text]The amount of the down payment can vary depending on the type of mortgage, the lender, and other factors. Typically, down payments range from 3% to 20% of the purchase price. Some government programs, such as FHA loans, allow for lower down payments.[/vc_column_text][/toggle][toggle color=”Default” title=”What is a pre-approval?”][vc_column_text]A pre-approval is a preliminary approval for a mortgage. It is based on a review of your credit score, income, and other financial factors. Pre-approval can help you determine how much you can afford to borrow, and it can also make your offer more attractive to sellers.[/vc_column_text][/toggle][toggle color=”Default” title=”What is a mortgage Interest Rate?”][vc_column_text]The mortgage rate is the interest rate you pay on your mortgage loan. It can be either fixed or adjustable, and it can vary depending on market conditions and other factors.[/vc_column_text][/toggle][toggle color=”Default” title=”What is a mortgage term?”][vc_column_text]The mortgage term is the length of time over which you will make regular mortgage payments. It can range from 15 to 30 years, or more in some cases.[/vc_column_text][/toggle][toggle color=”Default” title=” What are closing costs?”][vc_column_text]Closing costs are fees and expenses that you must pay when you close on a mortgage. They can include things like appraisal fees, title insurance, attorney fees, and more. Typically, closing costs can range from 2% to 5% of the purchase price of the home.[/vc_column_text][/toggle][toggle color=”Default” title=”What is private mortgage insurance (PMI)?”][vc_column_text]PMI is insurance that lenders require borrowers to pay when they make a down payment of less than 20% of the purchase price. PMI protects the lender in case the borrower defaults on the loan.[/vc_column_text][/toggle][toggle color=”Default” title=”Can I avoid paying PMI?”][vc_column_text]Yes, there are some ways to avoid paying PMI, such as making a larger down payment, taking out a second mortgage to cover part of the down payment, or choosing a lender that offers lender-paid mortgage insurance (LPMI).[/vc_column_text][/toggle][toggle color=”Default” title=”What are points on a mortgage?”][vc_column_text]Points on a mortgage, or discount points, is a way to lower the interest rate by paying an upfront fee at closing. One point typically costs 1% of the loan amount and can lower the interest rate by 0.25% to 0.5%.[/vc_column_text][/toggle][toggle color=”Default” title=”Can I refinance my mortgage?”][vc_column_text]Yes, you can refinance your mortgage to get a lower interest rate, change the loan term, or switch from an adjustable-rate to a fixed-rate mortgage. Refinancing can be a good option if interest rates have gone down or your credit score has improved since you took out the original loan.[/vc_column_text][/toggle][toggle color=”Default” title=”What is a home equity line of credit (HELOC)?”][vc_column_text]A HELOC is a line of credit that allows you to borrow against the equity in your home, similar to a credit card. You can borrow up to a certain limit and repay the loan as you use the funds. HELOCs typically have variable interest rates that can change over time.[/vc_column_text][/toggle][toggle color=”Default” title=”What is a foreclosure?”][vc_column_text]Foreclosure is a legal process that lenders use to take possession of a property when the borrower defaults on the mortgage. The property is sold at a foreclosure auction to recoup the unpaid balance of the loan.[/vc_column_text][/toggle][toggle color=”Default” title=”What is a short sale?”][vc_column_text]A short sale is a process in which the homeowner sells the property for less than the outstanding balance of the mortgage. This requires the lender’s approval and can be a way for the homeowner to avoid foreclosure.[/vc_column_text][/toggle][toggle color=”Default” title=”What happens if I can’t make my mortgage payments?”][vc_column_text]If you can’t make your mortgage payments, you should contact your lender as soon as possible to discuss your options. Depending on your circumstances, the lender may be able to offer you a loan modification, forbearance, or other assistance. If you continue to miss payments, the lender may begin the foreclosure process.[/vc_column_text][/toggle][/toggles][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- - [Texas Disclosure](https://www.hhlnorthwest.com/texas-disclosure/): NOTICE TO TEXAS CONSMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR … NOTICE TO TEXAS CONSMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.” --- - [Jeff Guillen](https://www.hhlnorthwest.com/jeffguillen/): Jeff Guillen is a Mortgage Advisor with HHL Group in Dalton Gardens, ID. Call Jeff for more information on loan programs he can provide for your next purchase or refinance. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”4629″ image_size=”medium” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” position_desktop=”relative”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] ## Jeff Guillen Branch Manager – Retail Lending[/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”9″ divider_color=”extra-color-1″][vc_column_text]NMLS#9890 6848 N Government Way #108, Dalton Gardens, ID 83815[/vc_column_text][vc_column_text]Thank you for the opportunity to help you with your homeownership and financing needs! With decades of experience, I know we can make your next mortgage transaction a success![/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] 208-991-9904 [/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] jeff@hhlnorthwest.com [/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”jumbo” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”Apply Now” url=”https://apply.citywidehm.com/apply/loan-purpose?emp-id=36539″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”jumbo” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”HELOC” url=”https://api.fsp.rate.com/apply/redirect/heloc?tenant-id=gri&gr_company=Citywide&emp-id=36539″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”40″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5137″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- - [Connie Tucker](https://www.hhlnorthwest.com/connietucker/): Connie Tucker is a Mortgage Advisor in Dalton Gardens, ID. Give Connie a call for more information on the loan programs she can provide for you! [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”4628″ image_size=”medium” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” position_desktop=”relative”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] ## Connie Tucker Branch Manager – Retail Lending[/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”9″ divider_color=”extra-color-1″][vc_column_text text_direction=”default”]NMLS#7673 6848 N Government Wy #108, Dalton Gardens, ID 83815[/vc_column_text][vc_column_text]Thank you for the opportunity to help you with your homeownership and financing needs! With decades of experience, I know we can make your next mortgage transaction a success![/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] 509-475-4156 [/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] connie@hhlnorthwest.com [/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”Apply Now” url=”https://apply.citywidehm.com/apply/loan-purpose?emp-id=36547″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”HELOC” url=”https://api.fsp.rate.com/apply/redirect/heloc?tenant-id=gri&gr_company=Citywide&emp-id=36547″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”40″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5137″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- - [Expanded Credit](https://www.hhlnorthwest.com/expanded-credit/): We offer many loan programs for borrowers that can't find financing anywhere else. Our Expanded Credit Programs include, Bank Statement Qualifying, DSCR for Investment Properties, and Asset Qualifying. Reach out to learn more! [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”25″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” top_margin=”25″ column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] # Expanded Credit Questionnaire Thank you for your interest in our Expanded Credit Programs! If you, or you have a client that just can’t seem to get approved through normal Conventional or Government financing, we may be able to help. HHL Group offers several Non-QM Loan programs including, 12-24 Month Bank Statement Programs for Self-Employed Borrowers, Asset Depletion Loans for high net worth borrowers, and a DSCR Program for purchasing Rental Properties and using only the rent on the property for qualification. Fill out our short Questionnaire to find out if you, or your Client could benefit from one of our incredible Expanded Credit Programs! We look forward to serving you! – HHL Group Lending Team[/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”3/4″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] 1 Borrower Info 2 Credit Profile 3 Employment 4 Assets 5 Loan Info - Submit Expanded Credit Questionnaire Please tell us a little about yourself, or your borrowers, so we can determine if our Expanded Credit Programs can help! Borrower Info: Borrower Namefull name CoBorrower Namefull name Daytime Phonebest number to reach youcall Email Addressa valid emailemail Referring LO Nameif applicable Credit Profile: Borrower Mid Scoreestimated if not known CoBorrower Mid Scoreestimated if not known Total Monthly Liabilitiesall credit and other liabilities BK,FC,SS,DIL,Mod last 36Mo?pick one!Select An OptionNoneChapter 7 BankruptcyChapter 13 BankruptcyForeclosureDeed in LieuShort SaleLoan Modification Discharge or Completion Datedate_range Employment: Borrower Employeremployer name CoBorrower Employeremployer name Self-Employedpick one!Select An OptionNoBorrowerCoBorrowerBoth Looking to Qualify w/ Bank Statements Only?pick one!Select An OptionYNNot Sure Assets: Total Liquid, Non-Retirement Assets Total Liquid Retirement Assets Looking to Qualify for Asset Depletion?pick one!Select An OptionYNNot Sure Loan Info: Loan Purposepick one!Select An OptionPurchaseRate/Term RefinanceCash Out Refinance Property Typepick one!Select An OptionSingle Family ResidenceManufactured Home2-4 UnitCondoTownhomeOther Occupancy Typepick one!Select An OptionOwner OccupiedSecond HomeInvestment PropertyCommercialMixed-Use Looking to Qualify for DSCR Program?pick one!Select An OptionYNNot Sure Home Value/Purchase Priceestimate if property not chosen Requested Loan Amountamount of credit requested Property Chosenpick one!Select An OptionYN Property Addresssubject property Send For Scenario Review reCaptcha v3 keyboard_arrow_leftPrevious Nextkeyboard_arrow_right [/vc_column_text][/vc_column][/vc_row] --- - [Tracy Windhorst](https://www.hhlnorthwest.com/tracywindhorst/): I have been in the mortgage origination industry for 26 years and finally in 2012 I took the leap of faith after working for banks and larger mortgage companies my whole life and went into an ownership position with my brothers at HHL Group. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”5178″ image_size=”medium” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” position_desktop=”relative”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] ## Tracy Windhorst Branch Manager – Retail Lending[/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”9″ divider_color=”extra-color-1″][vc_column_text text_direction=”default”]NMLS#487563 1227 N Argonne Rd, Suite B, Spokane Valley, WA 99212[/vc_column_text][vc_column_text css=”” text_direction=”default”] With 34 years of mortgage lending experience, Tracy Windhorst has built a reputation for guiding clients through every stage of homeownership with expertise, integrity, and care. Based in Spokane, WA and Queen Creek, AZ, Tracy serves clients across Spokane County, Kootenai County, Maricopa County, and beyond. He specializes in FHA, VA, conventional, first-time homebuyer programs, down payment assistance, and non-QM loan products. [/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] 509-599-3101 [/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] tracy@hhlnorthwest.com [/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”Apply Now” url=”https://apply.citywidehm.com/apply/loan-purpose?emp-id=36596″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”HELOC” url=”https://api.fsp.rate.com/apply/redirect/heloc?tenant-id=gri&gr_company=Citywide&emp-id=36596″][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5714″ image_size=”regular_small” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”50%” max_width_mobile=”default”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”40″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5137″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- - [Tim Windhorst](https://www.hhlnorthwest.com/timwindhorst/): HHL Group and I are committed to the same things. We solve problems and find answers through persistence, a strong work ethic, and an absolute commitment to honesty and excellence in customer service. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”5169″ image_size=”medium” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” position_desktop=”relative”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] ## Tim Windhorst Branch Manager – Retail Lending[/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”9″ divider_color=”extra-color-1″][vc_column_text text_direction=”default”]NMLS#51277 1227 N Argonne Rd, Suite B, Spokane Valley, WA 99212[/vc_column_text][vc_column_text]Meet Tim, a seasoned storyteller with a captivating tale to share. For the past 27 years, Tim has been immersed in the dynamic world of mortgage lending, where he serves as a producing regional manager. His love for the Inland Northwest region runs deep, as he finds immense joy in assisting clients and enriching their lives through homeownership.  With a firm belief in the power of education, Tim dedicates his work hours to enlightening clients and empowering them to build lasting wealth. His holistic approach to mortgage lending goes beyond the numbers on a page. Tim takes the time to understand his clients’ unique needs, aspirations, and financial situations, ensuring that he can provide them with comprehensive guidance that extends far beyond the mortgage transaction itself. [/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] 509-599-3095 [/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] tim@hhlnorthwest.com [/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”Apply Now” url=”https://apply.citywidehm.com/apply/loan-purpose?emp-id=36447″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” text=”HELOC” url=”https://api.fsp.rate.com/apply/redirect/heloc?tenant-id=gri&gr_company=Citywide&emp-id=36447″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”40″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”5137″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- - [FHA](https://www.hhlnorthwest.com/fha/): FHA Loans provide low down payment options, as well as flexible guidelines for borrowers with lower credit scores. Call us today for more info 509-252-4000! [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] # Overview #### The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so that Mann Mortgage can offer you a better deal. FHA loans are open to all qualified home purchasers. While there are limits to the size of FHA loans, they are generous enough to handle moderately-priced homes almost anywhere in the country. FHA loans offer a low down payment and more flexibility than many other types of financing. # Benefits - #### Competitive Interest Rates - #### Down Payment as low as 3.5% (can be gifted by a family member/relative) - #### Low Credit Qualifying - #### Non-Owner Occupied Co-Borrower Allowed - #### Up to 6% Seller Contribution for Closing Costs - #### Low Closing Costs - #### No Income Limits - #### Flexible Requirements [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][divider line_type=”Full Width Line” line_thickness=”1″ divider_color=”default”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### Due to their relatively low Down Payment and less strict underwriting guidelines compared to Conventional Loans, FHA mortgages are a very popular loan product. But they are not for everyone. #### If you have mild credit issues, recent short-sales/bankruptcies/or foreclosures, or want a loan with a smaller down payment than other popular programs, and FHA Loan may be a good choice to buy your next home. [/vc_column_text][vc_column_text] - #####  Minimum Down Payment ##### 3.50% - ##### Terms (Years) ##### 30, 25,20,15 Fixed and Adjustable - ##### Gift Funds Allowed ##### Yes - ##### Eligible Homes ##### Single & Multi-Family, Manufactured, Condo - ##### Seller Paid Closing Costs ##### Up to 6% of the Sales Price - ##### Loan Limits ##### Varies by County (Spokane, WA $294.515) - ##### Max DTI ##### 31/43 (Higher DTI’s Allowed in Some Cases) - ##### Minimum Credit Score ##### FHA None (Most Lenders Require 600+) - ##### Availability ##### All US States, Owner Occupied Only [/vc_column_text][/vc_column][/vc_row] --- - [Refinance](https://www.hhlnorthwest.com/refinance/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir… [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_global_section id=”4229″][/vc_column][/vc_row] --- - [First Time Homebuyer](https://www.hhlnorthwest.com/first-time-homebuyer/): Make your first time home buying experience fun and stress free! We offer popular loan programs perfectly suited to cater to the needs of a first time home buyer. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”20″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”3305″ image_size=”full” max_width=”100%” max_width_mobile=”default” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default”][vc_column_text]If you’re a first-time homebuyer, there’s a lot to consider when purchasing a house. It’s completely normal to have questions and seek guidance, especially if this is your first foray into homeownership. In this comprehensive guide, we will address various first-time home buyer programs, loans, and grants available to assist you in your home buying journey. ## Exploring First-Time Home Buyer Programs: The costs associated with buying a home as a first-time buyer can feel overwhelming. Thankfully, there are numerous loan programs and grants designed to help with down payments and closing costs. These programs can be sponsored by charitable organizations or government entities. Local and federal tax credits can also lighten the financial load, while educational programs ensure you’re supported at every step. ### Down Payment Assistance (DPA) For most mortgages, a down payment is a significant upfront expense when buying a home. However, many lenders accept down payment assistance, which helps you cover these costs. This assistance can be in the form of grants or low, to no-interest loans, often exclusive to first-time buyers. The terms of these assistance programs dictate how you can use the funds and whether you need to repay them. Our Loan Officers can guide you to the best DPA options available. Start your application for a Down Payment Assistance Program today, and see how much you are eligible for![/vc_column_text][nectar_global_section id=”4972″][vc_column_text css=”” text_direction=”default”] ### Closing Assistance Similar to down payment assistance, there are government-sponsored and private programs available to help you with closing costs. These programs can offer grants or loans to ease the financial burden. Additionally, you may negotiate with the seller to contribute towards closing costs or cover specific expenses like attorney fees, real estate tax services, title insurance, points upfront, and even property taxes. ## Home Buyer Education If you’re unsure about how to begin your home search, online educational programs and resources can provide valuable insights. Many first-time home buyer classes are available for free or at a low cost. These courses teach you about various loan options, the home buying process, and the steps to applying for a mortgage. It’s advisable to browse real estate courses specifically tailored for first-time buyers. Your Loan Officer can suggest the appropriate education, based on the programs you qualify for. ## First-Time Home Buyer Programs Buying your first home can be daunting. having to save for your down payment can sometimes come between you, and your dream home. thankfully, there are several Down Payment Assistance Programs available, to help you with that, and open up homeownership to buyers who would normally not be able to afford the down payment. ### Federal Down Payment Assistance Programs Apart from state and local programs, federal initiatives also cater to first-time home buyers. These programs are open to U.S. citizens and legal residents, regardless of the state they reside in. Government-backed loans, including FHA loans, USDA loans, and VA loans, offer low down payment options and favorable interest rates. Additionally, programs like Good Neighbor Next Door and the Fannie Mae HomePath Ready Buyer™ Program provide unique opportunities for certain professional groups and foreclosed property buyers. ### State and Local First-Time Home Buyer Programs Most of the assistance for home buyers comes from state and local government programs. Each program varies by location, so it’s essential to explore the specific resources available in your state. The Department of Housing and Urban Development (HUD) offers an exhaustive list of state-specific buying resources on their website. ### Charitable or Nonprofit First-Time Home Buyer Programs Low to moderate-income individuals might qualify for assistance from charitable or nonprofit organizations. These non-governmental entities provide financial and educational resources to support home buyers. Organizations such as Habitat for Humanity and the Neighborhood Assistance Corporation of America (NACA) are renowned for their efforts in making housing affordable for those in need. Explore HUD’s approved nonprofit list to discover local programs that match your eligibility. ### Employer-Sponsored First-Time Home Buyer Programs Surprisingly, some employers now offer incentives to help employees cover down payments and closing costs. These housing incentives can take the form of grants or forgivable loans over time. Labor unions may also extend closing assistance to their members. ## The Bottom Line Navigating the world of first-time home buying programs, loans, and grants can be complex, but it’s crucial to understand your options. By taking advantage of these resources, you’ll be better equipped to achieve your homeownership goals. Remember to explore federal, state, and local programs, as well as charitable organizations and potential employer contributions. With knowledge and support, your dream of owning a home can become a reality. HHL Group is here to take do the leg work for you, and help you determine your options. Start your application today, and we can guide you through the entire process, and let you know what Down Payment Assistance Programs you are eligible for. App link is below to get started! Get Started Online![/vc_column_text][vc_column_text] ## Learn More! [/vc_column_text][recent_posts style=”default” columns=”3″ category=”home-buying,mortgage-basics” order=”DESC” orderby=”date” blog_remove_post_date=”true” blog_remove_post_author=”true” blog_remove_post_comment_number=”true” blog_remove_post_nectar_love=”true” posts_per_page=”3″][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_widget_sidebar sidebar_id=”blog-sidebar”][/vc_column][/vc_row] --- - [FHA Streamline Refinance](https://www.hhlnorthwest.com/fha-streamline-refinance/): As of January 26th, 2015, FHA will lower their Annual Mortgage Insurance making an FHA Streamline Refinance beneficial for millions of current FHA home owners. # FHA Streamline Refinance Program ## Easy to qualify, quick to close! As of January 26th, 2015, FHA will lower their Annual Mortgage Insurance Premiums from 1.35 percent to .85 percent on 30 year fixed loans making refinancing an FHA loan beneficial for millions of FHA mortgage holders. --- - [Employment](https://www.hhlnorthwest.com/employment/): We are always looking to grow our team to be the number one Mortgage Lender in the Spokane area. Checkout Positions available in Spokane & Coeur d’Alene locations. [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” bg_image=”2769″ bg_position=”left top” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”6%” bottom_padding=”6%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” color_overlay=”#ffffff” color_overlay_2=”#ffffff” overlay_strength=”0.8″ gradient_direction=”top_to_bottom” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1567864668835{margin-bottom: -20px !important;}”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][split_line_heading animation_type=”line-reveal-by-space” font_style=”h1″ line_reveal_by_space_text_effect=”default” content_alignment=”default” mobile_content_alignment=”inherit” link_target=”_self” text_content=”Where YOUR success is OUR success! Why choose HHL Group to further your career?” text_direction=”default”][/split_line_heading][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][carousel script=”carouFredSel” easing=”linear”][item simple_slider_bg_image_position=”default” simple_slider_overlay_strength=”0.3″ simple_slider_bg_image_loading=”default” id=”1740687590670-7″ title=”Item” tab_id=”1740687590670-1″][fancy_box box_style=”color_box_hover” icon_family=”iconsmind” image_url=”568″ color=”accent-color” color_box_hover_overlay_opacity=”default” box_alignment=”left” enable_border=”true” border_radius=”default” image_loading=”lazy-load” color_scheme=”dark” secondary_content=”here’s some awesome text that would only be shown on hover” icon_iconsmind=”iconsmind-Hand-TouchSmartphone” min_height=”300″] ### Industry-Leading Tech We offer some of the mortgage industries most relevant and up-to-date technology, to help your business grow.[/fancy_box][/item][item simple_slider_bg_image_position=”default” simple_slider_overlay_strength=”0.3″ simple_slider_bg_image_loading=”default” id=”1740687590717-1″ title=”Item” tab_id=”1740687590718-3″][fancy_box box_style=”color_box_hover” icon_family=”iconsmind” image_url=”565″ color=”accent-color” color_box_hover_overlay_opacity=”default” box_alignment=”left” enable_border=”true” border_radius=”default” image_loading=”lazy-load” color_scheme=”dark” secondary_content=”here’s some awesome text that would only be shown on hover” icon_iconsmind=”iconsmind-Family-Sign” min_height=”300″] ### Family Atmosphere HHL Group is a family company that treats all employees as valuable members of our community.[/fancy_box][/item][item simple_slider_bg_image_position=”default” simple_slider_overlay_strength=”0.3″ simple_slider_bg_image_loading=”default” id=”1740687590746-3″ title=”Item” tab_id=”1740687590746-4″][fancy_box box_style=”color_box_hover” icon_family=”iconsmind” image_url=”3493″ color=”accent-color” color_box_hover_overlay_opacity=”default” box_alignment=”left” enable_border=”true” border_radius=”default” image_loading=”lazy-load” color_scheme=”dark” secondary_content=”” icon_iconsmind=”iconsmind-Money-Bag” min_height=”300″] ### Competitive Comp We offer competitive compensation plans in the direct lending space, that rewards your hard work.[/fancy_box][/item][/carousel][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”10px” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”5%” bottom_padding=”7%” text_color=”custom” custom_text_color=”#046396″ text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][testimonial_slider style=”default” star_rating_color=”accent-color” autorotate=”5000″][testimonial star_rating=”100%” title=”Testimonial” id=”1740687590821-6″ tab_id=”1740687590822-1″ name=”Current Employee” subtitle=”“Warm family like atmosphere yet very professional“” quote=”I have worked here for over a year and have felt like I am part of the HHL Group family ever since day one. Everyone is nice and friendly and is always there to lend you a hand when you need it!”][testimonial star_rating=”100%” title=”Testimonial” id=”1740687590849-4″ tab_id=”1740687590850-7″ name=”Manager in Spokane Valley” subtitle=”“An Employees Perspective“” quote=”HHL Group operates in a family atmosphere looking out for and maintaining an open work relationship with their employees. They are focused on the customer and offering WOW service for every client that seeks our services. HHL Group believes that great employees should be both financially rewarded as well as respected and cared for like one of the family.”][testimonial star_rating=”100%” title=”Testimonial” id=”1740687590864-6″ tab_id=”1740687590864-0″ name=”Loan Officer in Spokane Valley” subtitle=”“Loan Officer“” quote=”This is by far the best mortgage company I have worked with. I have been in the business 16 years. They are compassionate and caring beyond. They strive to make you a success in your business. The support staff is outstanding and know their job and do it very well.”][testimonial star_rating=”100%” title=”Testimonial” id=”1740687590878-4″ tab_id=”1740687590878-8″ name=”Senior Mortgage Loan Officer in Spokane Valley” subtitle=”“Awesome Family Oriented Family“” quote=”HHL Group is a small business that has been operating in Spokane for the past 10 years. This is a fast paced company that truly tries to make their employees #1 and their employees best interest at heart. They understand that we spend more time in our life at work then at home and make it a comfortable atmosphere where employees voices are heard, management has an open door at all times, and encourages open conversation for dispute resolution.”][/testimonial_slider][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][split_line_heading animation_type=”line-reveal-by-space” font_style=”h1″ line_reveal_by_space_text_effect=”default” content_alignment=”default” mobile_content_alignment=”inherit” link_target=”_self” text_content=”We are always looking for great people!” text_direction=”default”][/split_line_heading][vc_column_text css=”” text_direction=”default”]Not all mortgage lenders are equal. HHL Group truly feels we offer something unmatched in the industry. If you are looking to get into the mortgage space, or have an established career and want something new, let’s get a conversation going![/vc_column_text][image_with_animation image_url=”5137″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][image_with_animation image_url=”5677″ image_size=”medium” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] 1 Step 1 Join our Family! NameYour full name Contact PhoneBest contact # EmailEmail address PositionPick one!Mortgage OriginatorLoan ProcessorLoan PartnerOther About YouTell us a little about yourself0 / ResumeUpload your resumecloud_uploadUpload Submit Request keyboard_arrow_leftPrevious Nextkeyboard_arrow_right [/vc_column_text][/vc_column][/vc_row] --- - [Free Homebuyer Guide for First Time Buyers](https://www.hhlnorthwest.com/homebuyer-guide-first-time-buyers/): Download your Free Guide to learn Step-by-Step how to buy your first home. Don't let fear prevent you from realizing the American Dream. Download Today! [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”2/3″ tablet_text_alignment=”default” phone_text_alignment=”default”] # Download your Free Homebuyer Guide ## Learn Step-by-Step how to buy your first home. Want to make buying your first home a little less scary? My guide will give you the information you need to make educated decision, and give you the confidence to make the first steps to buying. The best way to ensuring a successful buying experience is to have the right tools for the job. Download your free copy today and learn: - How to get pre-approved for a home loan - What documents you will need - How to find the right people to represent you - And finally..how to find the right home for your budget Don’t let what you don’t know prevent you from the American Dream. ### Fill out the short form on the right for your Free copy today!!! Information Security and Contact Policy: More information on our security and contact policies can be found here Privacy Policy and Legal [/vc_column][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default”][contact-form-7 id=”143″][/vc_column][/vc_row] --- - [Legal](https://www.hhlnorthwest.com/legal/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir… [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]Protecting the privacy of our visitors is extremely important to HHL Group, hereafter (“HHL Group”, “we”, “us,” or “our”). Our promise to our loyal customers is that we will not disclose any nonpublic personal information to non-affiliated parties, except as permitted or required by law. Your privacy is our number one concern and we want you to understand what information we collect and how we use it. Information on this Website The information contained in this website is for general information purposes only. It is believed to be reliable, but HHL Group does not warrant its completeness, timeliness or accuracy. The information on this website is for informational purposes only and is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will HHL Group be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Consumer Information Security and Contact Policy: HHL Group believes protecting our customer’s private information is essential. Additional information can be found in our Privacy Policy page. By contacting us through electronic or other means, you are consenting HHL Group to contact you by mail, email, phone, and/or text message at the sources you provided. If you provide a residential or commercial phone number, you are consenting contact at this source even if on the National Do-Not-Call Registry. Authors The posts, pages, and general information on this site, excluding Third Party Links that may be linked out of the content, can, and will be created by employees of HHL Group. HHL Group does in good faith monitor the content for accuracy and compliance, however we can not guarantee the quality or accuracy of the information provided by any Author. Nor is any of the content the actual views or opinions of HHL Group or any of it’s employees. INTERNET ADVERTISING PRIVACY POLICY Explanation of Cookies Cookies, also known as HTTP cookies, web cookies or browser cookies, are small text files stored on your computer by the web browser that you use to visit websites on the Internet. These cookies are used to recognize you when you return to a website as well as notify the website of your activity. Use of Cookies on this Website We use cookies on this website. We do not link the information we store in cookies to any personally identifiable information you submit while on this website. If you access Third Party software and/or links available on this site, those Third Parties may collect cookies and/or Personally Identifiable Information from you. The use of cookies by third parties, including but not limited to our partners, affiliates, advertisers and service providers is not covered by our privacy statement. We do not have access or control over these cookies. Third-Party Ads This website has implemented the Google Analytics features based on Display Advertising (e.g. Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration or Google Analytics Demographics and Interest Reporting). Third-party vendors, including Google, show our ads on sites across the Internet. We and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) to inform, optimize, and serve ads based on your past visits to this website and to report how our ad impressions, other uses of ad services and interactions with these ad impressions and ad services are related to visits to our site. This could mean that we advertise to previous visitors who have not completed a task on our site, for example using the contact form to make an inquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Any data collected will be used in accordance with our own privacy policy and Google’s privacy policy. You can set preferences for how Google advertises to you, including the ability to Opt-out, using the Settings for Google Ads or by using the Google Analytics Opt-Out Browser Add-On Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added. Google Analytics Demographics and Interest Reporting We use data from Google’s Interest-based advertising or 3rd-party audience data (such as age, gender and interests) with Google Analytics to better understand our target audience so that we may provide more relevant editorial content. Sharing Information with Advertisers or Other Third Parties We may disclose anonymous information about user habits, characteristics, and user patterns based on aggregate user statistics, as collected through the use of cookies and analytics on this website, to advertisers or service providers. This site is Copyrighted by HHL Group. All Rights Reserved. Equal Housing Lender. The articles and contents of this website were gathered from sources deemed reliable by HHL Group. This is not an offer for extension of credit nor a commitment to lend. All loans must satisfy company and agency guidelines. Information and rates are subject to change at any time without notice. Loan approval and rates are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination.[/vc_column_text][/vc_column][/vc_row] --- - [Privacy Policy](https://www.hhlnorthwest.com/privacy-policy/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir… [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] ### Privacy policy This Privacy Policy describes how HHL Group, hereafter (“HHL Group”, “we”, “us,” or “our”) collects and uses 
the personal information of users and visitors of our website (“user”, “you”, or “your”): www.hhlnorthwest.com. 
If you apply for or obtain a loan or other financial product offered through the HHL Group, our privacy 
practices with regard to that information are governed by this Privacy Policy. HHL Group is committed to protecting your personal information at all times. To that end, we employ and maintain physical, electronic, and procedural safeguards to ensure your non-public personal information is protected. Our websites are not designed to appeal to children under the age of 13 as our business is financial in nature. We don’t knowingly attempt to solicit or receive any information from children. ### How and why we collect personal information We primarily collect information by specifically requesting it from you. Generally, this occurs when you register at our website or request information or a service. Usually, we and our service partners use your information to operate the website and to deliver value-added services to you. Our website also uses your information to inform you about other products or services available from us. For the purposes of this Privacy Policy, non-public personal information includes, without limitation, (a) your email address, (b) your first name, (c) your last name, (d) your social security number, and (e) your loan number. HHL Group gathers two types of information about you: Data, including non-public personally identifiable information, that users provide through optional, voluntary application on our website, and Data that HHL Group gathers through aggregate tracking, including by tallying webpages that are viewed by users throughout our website. ### Information we collect when you browse our website We do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us directly or through a broker, do we collect any personally identifying information about you. ### Use of Tracking; Use of IP Addresses An IP address is a unique number that is automatically assigned to your computer whenever you are surfing the Internet so that your computer can be identified by the main computers, known as “Web servers,” that “serve up” or display webpages. This allows us to identify and gather general information and data about you, such as the webpages you view. HHL Group collects IP addresses for the purposes of system administration and security, to report on aggregated information, and to audit the use of our site. Aggregated information is intended for HHL Group’ internal use only, and is part of our performance tracking and diagnostic processes. When customers request pages from HHL Group, our servers log the customers’ IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a customer’s session will be logged, but the customer will remain anonymous to us unless they decide to apply for a loan with us. We can, and will, use IP addresses to identify you when we feel it is necessary to enforce compliance with our website Terms of Use or to protect our service, website, users, or others. ### Cookies HHL Group uses a variety of third-party services to help provide the most streamlined and user-friendly website possible. We also use third parties such as Google Analytics to help us understand how our visitors use our website. These third-parties may collect certain information from your browser (i.e. using cookies and/or your IP address), and may tailor your ads so that you see HHL Group advertisements on other websites. To learn more, or to opt-out of receiving online display advertisements tailored to your interests by our third party partners, visit the Network Advertising Initiative at www.networkadvertising.org/choices . If you prefer, you can adjust your privacy settings in your browser so that your information is not tracked. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use both session ID cookies and persistent cookies. We use session ID cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. We use session cookies to tailor your experience on our site. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. The use of cookies by third parties, including but not limited to our partners, affiliates, tracking utility company and service providers is not covered by our privacy statement. We do not have access or control over these cookies. Our partners, affiliates, tracking utility company and service providers may use session ID cookies. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited. ### How we protect your personal information and your privacy We primarily collect information by specifically requesting it from you. Generally, this occurs when you register at our website or request information or a service. Usually, we and our service partners use your information to operate the website and to deliver value-added services to you. Our website also uses your information to inform you about other products or services available from us. For the purposes of this Privacy Policy, non-public personal information includes, without limitation, (a) your email address, (b) your first name, (c) your last name, (d) your social security number, and (e) your loan number. HHL Group gathers two types of information about you: Data, including non-public personally identifiable information, that users provide through optional, voluntary application on our website Data that HHL Group gathers through aggregate tracking, including by tallying webpages that are viewed by users throughout our website. ### Compliance with state and federal laws As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention. ### Session time-outs If you are logged into your account on our website and are inactive for a certain period of time, you will be automatically logged out. This is a security measure that reduces the risk of unauthorized access to your account or non-public personal information. ### Passwords HHL Group requires the use of passwords that meet minimum length and complexity requirements, when applicable. Users are also required to change their passwords periodically. To protect against unauthorized access, accounts are locked after a number of unsuccessful login attempts. ### What you can do to protect yourself While we take the security of your non-public personal information seriously and have taken steps to protect it, there are also a number of precautions that you can take to protect yourself: If using your personal computer, ensure that your operating system and antivirus software are up to date with the latest versions. Create strong, unique passwords for each online service that you use and change these passwords often. When you finish using our website from a public computer, log out and clear the browser’s cache file. Stay vigilant for scams like “phishing”. Never provide your login information in response to any email, physical mail or phone call that claims to be from HHL Group. Does HHL Group share my personal information with third parties? As a visitor and user of our website, we will not share any of your non-public personal information with anyone outside our company except: On a “need to know” basis, as necessary under the agreements with our vendors to perform the services as contracted by you at your direction and with your consent. To communicate with you about products and services, update you on new services and benefits, or to provide you with personalized promotional offers. As required or permitted by law. HHL Group may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Use, or may be causing injury to or interference (either intentionally or unintentionally) with any of HHL Group’ rights or property, other users, or anyone else. HHL Group may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services. ### Links to other sites Our site includes links to other websites whose privacy practices may differ from those of HHL Group. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit. ### Public forums Our website may offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. ### Contests and sweepstakes We may offer you the option to participate in contests, sweepstakes, or surveys. If you agree to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. For information on how your information that you supply will be used, please refer to the rules for each contest or sweepstakes. ### Notifications from us If you use our website to apply for a loan or create an account, you will receive email notifications from HHL Group from time to time. These are required notices, and you cannot opt out of receiving them. They are designed primarily to protect your non-public personal information from unauthorized access and to provide you information on the status of your transaction with us. Some notifications may also be necessary when we make changes to various legal agreements or policies, including this privacy policy. If necessary, we may also respond to emails that you send us. ### Change of control Your non-public personal information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of HHL Group. ### Agreement and contact By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to this Privacy Policy and agree to do business electronically with HHL Group. ### Notification of privacy statement changes We reserve the right to modify this privacy policy to reflect changes to our information practices at any time with notice on this site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of HHL Group’ website following the posting of changes to these terms will mean you accept those changes. ### Who can I contact for privacy related issues? You can contact us by mail at: HHL Group Attn: Legal 1227 N Argonne Rd, Suite B Spokane Valley, WA 99212 ### Updates This Privacy Policy was last updated 12/11/2024. Please check periodically for changes.[/vc_column_text][/vc_column][/vc_row] --- - [Contact Us](https://www.hhlnorthwest.com/our-team/contact-us/): Having questions regarding Purchase or Refinance? Our dedicated staff members are here at your rescue! Contact us @ 509-252-4000 and we will take care of you! [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”40″ bottom_padding=”40″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] Spokane Valley Main 1227 N Argonne Rd, Suite B Spokane Valley, WA 99212 Branch Manager: Tim Windhorst P: 509-252-4000 [/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”] Dalton Gardens, ID 6848 N Government Way Ste 108 Dalton Gardens, ID 83815 Branch Manager: Jeff Guillen P: 208-991-9904 [/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#ffffff” background_color_opacity=”1″ background_color_hover=”#ffffff” background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”medium_depth” column_border_radius=”3px” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”advanced” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text] ### Get a hold of us an let us know how we can help! 1 Step 1 Nameyour full name Emaila valid emailemail Phone Number Preferred Contact Method?pick one!EmailCall Text MessageHow can we help?0 / By checking this box, I agree to HHL Group's SMS Terms, Privacy Policy, Terms of Use, and CA Terms of Use, which includes my agreement to arbitrate any claims I may have against HHL Group, and I also consent by electronic signature to receive calls and text messages from HHL Group made by any means or technology, including prerecorded message, artificial voice, artificial intelligence, automated telephone dialing system or other automated system for the selection or dialing of phone numbers, for informational, marketing or any other purposes at the phone number I have provided. Message frequency varies. I also understand that my consent to such calls and text messages is not required or a condition of any purchase from HHL Group. You may opt out at any time by emailing us a Do Not Call Request at info@hhlnorthwest.com and providing your phone number. Message and data rates may apply. Text HELP for help. Text STOP to unsubscribe from text messages. reCaptcha v3 Submit Form keyboard_arrow_leftPrevious Nextkeyboard_arrow_right [/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- - [Blog](https://www.hhlnorthwest.com/blog/): How to craft the perfect house? How to increase home value for appraisal? Read these & many such informative articles from experts to ease your home buying & selling transactions. Checkout our blogpost online! --- - [Our Team](https://www.hhlnorthwest.com/our-team/): Buying your first home can be very confusing. Our friendliest, hardest working, experienced loan team have the knowledge to get your loan done fast, without added stress. Call @509 252 4000! [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” 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column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][team_member image_url=”5169″ team_memeber_style=”meta_below” link_element=”both” color=”Accent-Color” name=”Tim Windhorst” job_position=”Branch Manager” link_url=”/timwindhorst” description=”NMLS #51277″][/team_member][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” 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[Calculators](https://www.hhlnorthwest.com/calculators/): Calculate the monthly payment for your next home using our mortgage payment calculator or speak to one of our qualified mortgage consultants at 509-252-4000 [vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f2f2f2″ scene_position=”center” top_padding=”20″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” 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column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_color=”#c4c4c4″ column_border_style=”solid”][vc_column_text] Disclaimer: The information provided by Celebrity Home Loans, LLC, and it’s DBA’s, in its calculators is for illustrative purposes only and accuracy is not guaranteed. The values and figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. This calculator does not have the ability to pre-qualify you for any mortgage or loan program. Qualification for mortgages or loans requires additional information such as credit scores and existing debts which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. All information such as interest rates, taxes, insurance, monthly mortgage payments, etc. are estimates and should be used for comparison only. Celebrity Home Loans LLC, and its DBA’s, do not guarantee any of the information obtained by any calculator. [/vc_column_text][/vc_column][/vc_row] --- - [Test](https://www.hhlnorthwest.com/test/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir… [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- - [VA](https://www.hhlnorthwest.com/va/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] # Overview   #### VA loans were created to help veterans finance the purchase of their homes with favorable loan terms. For the purpose of the VA program, “veteran” includes active duty service personnel and certain categories of spouses. Like FHA loans, the federal government insures VA loans, or guarantees VA approved lending institutions against loss from default on qualifying loans.   # Benefits   - #### Fixed Rate Loans and Temporary Buy-downs - #### Available for detached 1-unit dwellings, eligible condos and PUD’s - #### Properties must meet VA guidelines and be inspected by VA-approved appraisers - #### Subject to loan limit set by VA. Contact us for current limits in your area - #### One time mortgage insurance fee is typically charged, which may be financed if the total loan amount does not exceed the loan limits set by VA - #### No prepayment penalty - #### No reserve requirements at closing - #### No down payment required - #### Out-of-pocket expenses may be gifted, typically from relatives - #### Only eligible veterans and their spouses occupying the subject property may be co-borrowers or co-signers - #### Seller may contribute a maximum of 4% of the lower of the sales price or the appraised value ### Giving Back to Those Who’ve Given [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### VA Loans are available to eligible Active, Separated, Reserves, and some National Guard Veterans of the US Military. This program offers our nation’s military service people a No Down Payment loan option, with no Monthly Mortgage Insurance, and Flexible Underwriting Guidelines. Each loan is insured by the Department of Veteran Affairs. #### A VA Loan is a great option for most eligible veterans looking to purchase a home, however not always the best choice. If you are in active duty and could be transferred, or non-active and plan to move in the first 5 years, a VA loan might not be for you. [/vc_column_text][vc_column_text] - #####  Minimum Down Payment ##### 0.00% - ##### Terms (Years) ##### 30, 25,20,15 Fixed and Adjustable - ##### Gift Funds Allowed ##### Yes - ##### Eligible Homes ##### Single & Multi-Family, Manufactured, Condo - ##### Seller Paid Closing Costs ##### Up to 4% of the Sales Price - ##### Loan Limits ##### Varies by County (Spokane, WA $453,100) - ##### Max DTI ##### 41% (Higher DTI’s Allowed in Some Cases) - ##### Minimum Credit Score ##### VA None (Most Lenders Require 600+) - ##### Availability ##### All US States, Eligible Veterans & Owner Occupied [/vc_column_text][/vc_column][/vc_row] --- - [USDA](https://www.hhlnorthwest.com/usda/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] # Overview   #### U.S. Department of Agriculture (USDA)/Rural Development (RD) loans provide low- to moderate-income households with the opportunity to buy homes as their primary residence in eligible rural areas.   # Benefits   - #### Competitive Interest Rates - #### 100% Financing - #### Lower Credit Qualifying - #### Low Monthly Mortgage Insurance - #### Low Closing Costs - #### Flexible Requirements - #### Up to 6% Seller Paid Closing Costs Allowed [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][divider line_type=”Full Width Line” line_thickness=”1″ divider_color=”default”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### The USDA RD Loan is a great profram to purchase a home with no down payment, and typically lower payment than other popular loan programs. The home must be in an eligible rural area defined by the USDA. These are typically rural unincorporated areas with under 50,000 inhabitants. #### If you and your family make less than the maximum income for your area and family size, you would get into a home with no money down, and the home is in an eligible area, this program is a great opportunity. #### Income limits and eligible areas change everywhere so its very important to talk to a loan expert about this option. [/vc_column_text][vc_column_text] - #####  Minimum Down Payment ##### 0.00% - ##### Terms (Years) ##### 30, 25,20,15 Fixed Only - ##### Gift Funds Allowed ##### Yes - ##### Eligible Homes ##### Single & Multi-Family, New Manufactured Homes - ##### Seller Paid Closing Costs ##### Up to 6% of the Sales Price - ##### Maximum Loan Amount ##### Determined by Income and DTI - ##### Max DTI ##### 29%/41% (Higher DTI’s Allowed In Some Cases) - ##### Minimum Credit Score ##### 600 Mid FICO - ##### Availability ##### All US States, Only USDA Eligible Areas, Owner Occupied [/vc_column_text][/vc_column][/vc_row] --- - [Conventional](https://www.hhlnorthwest.com/conventional/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] # Overview   #### Conventional loans are not insured by any government program and are the most common type of mortgage. Conforming conventional loans follow the loan amount guidelines set by Fannie Mae and Freddie Mac. Nonconforming loans, on the other hand, don’t meet those guidelines, but they are still considered conventional. Conventional loans often have higher down payment requirements than government-sponsored loans like FHA loans and USDA RD loans.   # Benefits   - #### Competitive interest rates and lower fees - #### Down payments as low as 3% - #### Borrow up to 97% of home’s value - #### Available for primary residences, second homes and rental properties #### If you’re interested in securing a home loan tailored for your unique needs, HHL Group can help you make it happen. Please contact us today or apply online in less than 10 minutes using the secure online application below. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### #### Conventional loans are categorized as loans that meet guidelines set forth by Fannie Mae or Freddie Mac, who provide a secondary market for mortgages. The underwriting guidelines are tighter than other types of mortgages, but the short and long term costs can be significantly lower to the burrower(s). #### If you have good credit, have not had any major derogatory credit events in the past 7 years, and can afford to put at least 3% down, a Conventional loan may be the right choice. Your monthly payment could be much more affordable compared to other programs such as FHA.   [/vc_column_text][vc_column_text] - #####  Minimum Down Payment ##### 3.00% - ##### Terms (Years) ##### 30, 25,20,15 Fixed and Adjustable - ##### Gift Funds Allowed ##### Yes - ##### Eligible Homes ##### Single & Multi-Family, Manufactured, Condo - ##### Seller Paid Closing Costs ##### Up to 6% of the Sales Price - ##### Loan Limits ##### $453,100 Most US Counties / $679,650 AK & HI - ##### Max DTI ##### 50% - ##### Minimum Credit Score ##### 620 Mid-Score - ##### Availability ##### All US States, Owner Occupied, 2nd Home, Investment [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- - [Receptionist](https://www.hhlnorthwest.com/receptionist/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3"][vc_column c… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h1″ style=”color-strip-reveal” color=”Extra-Color-1″ text=”Receptionist “][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### Established in 2006, HHL Group is a Full-Service Mortgage Bank. We have grown a reputation in our market for offering a comprehensive inventory of loan programs to our clients, and the willingness to go above and beyond common duties to ensure our customers are getting a loan that is custom tailored to their financial needs. We offer an unmatched level of Customer Service in the industry. Our clients are not just numbers to us; they are real people, with real needs and real circumstance giving us a chance to building lifelong relationships in our community. #### [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_text_separator title=”Duties and Requirements” color=”custom” border_width=”3″ accent_color=”#fc4a1a”][vc_column_text] #### As a Receptionist you will be the ambassador of our company’s first impressions on the guests and visitors. It is your foremost responsibility to compassionately greet all incoming guests, visitors and members, help them with directions or any appropriate information that they need while maintaining high level of company confidentiality.  Job Duties: - #### answer telephone, screen and direct calls - #### take and relay messages - #### provide information to callers - #### greet persons entering organization - #### direct persons to correct destination - #### deal with queries from the public and customers - #### ensure knowledge of staff movements in and out of organization - #### monitor visitor access and maintain security awareness - #### provide general administrative and clerical support - #### prepare correspondence and documents - #### receive and sort mail and deliveries - #### schedule appointments - #### maintain appointment diary either manually or electronically - #### organize conference and meeting room bookings - #### co-ordinate meetings and organize catering - #### monitor and maintain office equipment - #### control inventory relevant to reception area - #### tidy and maintain the reception area #### Education and Experience - #### high school diploma generally required - #### knowledge of administrative and clerical procedures - #### knowledge of computers and relevant software application - #### knowledge of customer service principles and practices - #### keyboard skills - #### ability to work a busy multi-line phone system #### Additional Attributes - #### verbal and written communication skills - #### professional personal presentation - #### customer service orientation - #### information management - #### organizing and planning - #### attention to detail - #### initiative - #### reliability - #### stress tolerance [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][contact-form-7 id=”2103″][/vc_column][/vc_row] --- - [Office Manager](https://www.hhlnorthwest.com/office-manager/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3"][vc_column c… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h1″ style=”color-strip-reveal” color=”Extra-Color-1″ text=”Office Manager”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### Established in 2006, HHL Group is a Full-Service Mortgage Bank. We have grown a reputation in our market for offering a comprehensive inventory of loan programs to our clients, and the willingness to go above and beyond common duties to ensure our customers are getting a loan that is custom tailored to their financial needs. We offer an unmatched level of Customer Service in the industry. Our clients are not just numbers to us; they are real people, with real needs and real circumstance giving us a chance to building lifelong relationships in our community. ####   #### [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_text_separator title=”Duties and Requirements” color=”custom” border_width=”3″ accent_color=”#fc4a1a”][vc_column_text]Duties: - Manage Policy and Procedures for General Office Management - Maintain equipment and all equipment contracts Printers - Security System - Computer / Network Equipment - Scanners - Phones - Furniture - Manage Accounts Payable and Receivable - Manage and Request Re-imbursements - Manage Reception and Phone Coverage - Set-up Work Stations and Orientation for New Employees - Work with Branch Managers to maintain operational budget - Maintain and Manage Office Supplies - Manage Internal Office Moral to include: Birthday Acknowledgments - Special Appreciation Days - External Activities - Team Building Activities - Manage Building Maintenance and Leases - Work with Branch Managers to assist in Company growth - Work with Branch Managers to Develop Training Programs for New Employees and Continued Education for existing employees #### Desired Skills -  Experience in Accounts Payable and Receivable - Organizational Skills - HR - Communications Skills - Organizational Skills [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][contact-form-7 id=”2103″][/vc_column][/vc_row] --- - [Loan Partner II (Licensed)](https://www.hhlnorthwest.com/loan-partner-licensed/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3"][vc_column c… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h1″ style=”color-strip-reveal” color=”Extra-Color-1″ text=”Loan Partner II”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### ## Established in 2006, HHL Group is a Full-Service Mortgage Bank. We have grown a reputation in our market for offering a comprehensive inventory of loan programs to our clients, and the willingness to go above and beyond common duties to ensure our customers are getting a loan that is custom tailored to their financial needs. We offer an unmatched level of Customer Service in the industry. Our clients are not just numbers to us; they are real people, with real needs and real circumstance giving us a chance to building lifelong relationships in our community.   ## Due to the increase in our sales force we have a full-time position for a Licensed Loan Officer Partner, who will work directly with the Loan Officer & the Loan Partner Assistant.   ## This is a great position for a Loan Originator who would like to step into a more secure paycheck position!   [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_text_separator title=”Duties and Requirements” color=”custom” border_width=”3″ accent_color=”#fc4a1a”][vc_column_text] ###  Requirements: - #### Be licensed as a Mortgage Loan Originator - #### Have a minimum of 2 years’ experience originating residential mortgage loans - #### Have excellent communication skills - #### Have experience pricing and locking rates #### Position Details: - #### Must be NMLS Licensed. - #### Working hand in hand with the Loan Officer to help manage daily tasks to increase productivity - #### Calendar Scheduling - #### Screening Phone Calls - #### Updating all parties in the transaction on loan progress and milestones - #### Follow up with past clients and referral partners - #### Consistently exceed Client and Real Estate Agent expectations - #### Must work well in a Team Environment - #### Attend daily team meetings to go over goals, tasks and pipeline management - #### Must have excellent written and verbal skills and top notch Customer Service Skills #### *You must be licensed for this position. #### Compensation depends on experience. We offer a base salary to provide you with some security knowing you will always have a paycheck; and bonus opportunities to increase your earning potential . [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][contact-form-7 id=”2105″][/vc_column][/vc_row] --- - [Loan Partner](https://www.hhlnorthwest.com/loan-partner/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h1″ style=”color-strip-reveal” color=”Extra-Color-1″ text=”Loan Partner”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### Established in 2006, HHL Group is a Full-Service Mortgage Bank. We have grown a reputation in our market for offering a comprehensive inventory of loan programs to our clients, and the willingness to go above and beyond common duties to ensure our customers are getting a loan that is custom tailored to their financial needs. We offer an unmatched level of Customer Service in the industry. Our clients are not just numbers to us; they are real people, with real needs and real circumstance giving us a chance to building lifelong relationships in our community. ####  Due to the increase in our sales force we are looking for Loan Partners! [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_text_separator title=”Duties and Requirements” color=”custom” border_width=”3″ accent_color=”#fc4a1a”][vc_column_text]Position Details: - Working hand in hand with the Loan Officer to help manage daily tasks to increase productivity - Assist the licensed Loan Partner with tasks as needed - Calendar Scheduling - Screening Phone Calls - Updating all parties in the transaction on loan progress and milestones - Follow up with past clients and referral partners - Consistently exceed Client and Real Estate Agent expectations - Must work well in a Team Environment - Attend daily team meetings to go over goals, tasks and pipeline management - Must have excellent written and verbal skills and top notch Customer Service Skills *Some mortgage experience is preferred but strong clerical and organizational skills are a must. You do not have to be licensed for this position. Compensation depends on experience. We offer a base salary to provide you with some security knowing you will always have a paycheck; and bonus opportunities to increase your earning potential .[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” top_padding=”20″ bottom_padding=”30″ overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]This form does not exist[/vc_column_text][/vc_column][/vc_row] --- - [Loan Officer](https://www.hhlnorthwest.com/loan-officer/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h1″ style=”color-strip-reveal” color=”Extra-Color-1″ text=”Loan Officer”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text] #### Established in 2006, HHL Group is a Full-Service Mortgage Bank. We have grown a reputation in our market for offering a comprehensive inventory of loan programs to our clients, and the willingness to go above and beyond common duties to ensure our customers are getting a loan that is custom tailored to their financial needs. We offer an unmatched level of Customer Service in the industry. Our clients are not just numbers to us; they are real people, with real needs and real circumstance giving us a chance to building lifelong relationships in our community. ####  Our sales force is expanding and we have openings for Loan Officers that will value our company’s vision and goals. If this sounds like the right place for you then reach out and we would love to give you more information! We want to help our Loan Officers build their brand, business and we offer compensation plans and resources that are built to help you grow!  [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_text_separator title=”Duties and Requirements” color=”custom” border_width=”3″ accent_color=”#fc4a1a”][vc_column_text]Essential Functions: - Meet with customers by phone or in person, reviewing their financial status, goals and needs and recommending appropriate loan products and services that are in the best interest of the customer. - Exercises discretion and independent judgement in comparing and evaluating possible lending products that suit the customer’s financial situation. Originates permanent single family (1-4), FHA, VA and convention mortgage loan products. Understands and maintains a thorough knowledge of various mortgage loan programs (FNMA/FHLMC/FHA/VA, etc.) and company products. - Manage the loan application process, in conjunction with processing, to assist customers in completing loan applications, collect information to be verified, identify additional information to be provided or obtained, and provide all disclosures and forms to customers as required by company policy. Take complete applications in accordance with HHL Group loan file workflow. - Input and upload loan applications in HHL Group POS system. - Input loan files in DU or other designated underwriting systems utilized by HHL Group and within company guidelines. - Negotiate loan terms and conditions on loans within Company guidelines. Responsible for all rate locks on loans originated, closed internally, or brokered to another lender. Work with the processing team and Branch Manager to monitor locks and extensions as necessary. - Perform weekly file reviews with assigned Processor, review missing or incomplete items. Maintenance excellent communication with the Processing and Funding teams. - Understand and comply with all applicable government regulations and cooperate with internal quality control and compliance programs. - Develop a strategy to assist customers after completion of the transaction, including review or and assistance for additional and future financial needs. - Develop and implement a marketing strategy including identifying potential sources for your pipeline thru existing personal and community contacts including; realtors, builders, buyers, sellers, and the general community. Meeting with potential business sources outside the office to develop and maintenance these relationships; and creating additional referral customer networks in the community by participating in community events, professional organizations, etc. - Maintain and utilize Vantage (CRM) data base management systems. - Participate in training programs as required by management. - Actively develop and maintain a good working relationship with all company team members. - Conduct business activities primarily outside of the office. Such activities may including making sales calls, negotiating deals, making commitments to close residential mortgage loans on behalf of HHL Group, and performing other duties as needed to general and bring sales to fruition. Requirements : - NMLS Licensed. - Ability to review and analyze a customer’s financial status, goals and needs, and recommends the appropriate loan product. - Ability to resolve problems effectively and quickly with dissatisfied customers. - Ability to work under high pressure deadlines with diplomacy. - Strong ability, desire and honest enjoyment in working with others as part of a team as well as working independently. Desire to serve and act in the best interest of the company and customer. - Adhere to and follow HHL Group Unique Value Proposition Plan with the customer before, during, and after the loan process. - Minimum computer skills. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]This form does not exist[/vc_column_text][/vc_column][/vc_row] --- - [Loan Processor](https://www.hhlnorthwest.com/loan-processor/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide… [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h1″ style=”color-strip-reveal” color=”Extra-Color-1″ text=”Loan Processor”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]About Us: Established in 2006, HHL Group is a full-service mortgage bank. We have grown a reputation in our market for offering a comprehensive inventory of loan programs to our clients, and the willingness to go above and beyond common duties to ensure our customers are getting a loan that is custom tailored to their financial needs. We offer an unmatched level of customer service in the industry. Our clients are not just numbers to us; they are real people in our community with real needs and real circumstances. Our customers give us the opportunity to build lifelong relationships in our community. We are growing! What we are looking for in a Loan Processor: We are currently seeking an efficient Mortgage Loan Processor. We are looking for someone who has high attention to detail and excellent communication skills. As a loan processor, you will need to be able to communicate efficiently to all parties involved from clients to underwriters. Heritage takes pride in our impeccable customer service, this includes helping qualified applicants obtaining loans in a timely manner to meet their needs and expectations throughout the home buying process. Loan processors duties and responsibilities will include analysis and evaluation of loan applicants as well as writing and finalizing contracts. Responsibilities of a Loan Processor: - Processing loans thoroughly to meet GSE and Investor Guidelines - Prep files for underwriting. - Order and evaluate appraisal, title, credit, assets, and income verification. - Communicate with originators and team members efficiently and effectively to obtain all items needed from the client for approval of the loan. - Perform initial appraisal of potential borrowers by thoroughly examining their applications. - Assess the credit standing of applicants through background research. - Conclude on all applicable financial and non-financial criteria to develop loan repayment plans. - Give the “green light” to eligible candidates and report decisions with arguments. - Create and renew records. - Remain up to speed regarding lending and other financial services. - Work within established regulations and adhere to law requirements at all times. Requirements for the Loan Processor Position: - 1-3 years in processing, underwriting or experience in a similar position preferred. - Must have current knowledge and understanding of FHA, VA, USDA, and Conventional guidelines for Credit, Income, Assets, and Collateral. - Must be proficient in DU, DO, GUS, and LP - Must be a self-starter, be reliable, and have high attention to detail. - Must maintain a professional, courteous, and friendly atmosphere with coworkers and third-party vendors. - Must maintain the highest level of confidentiality and professionalism. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]This form does not exist[/vc_column_text][/vc_column][/vc_row] --- - [Loan Programs](https://www.hhlnorthwest.com/programs/): HHL Group offers a comprehensive list of loan programs for purchase and refinance. Let our experienced loan officers assist you with their knowledge: 509-252-4000 [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”3311″ bg_image_type=”default” bg_position=”left top” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” top_padding=”35″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” color_overlay=”#000000″ overlay_strength=”0.5″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”fast” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-18-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”left-right” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text] #### LOAN PROGRAMS # We will make sure you have the best loan options for your situation. Whether you have owned 10 homes, or this is your first time, we offer the most comprehensive menu of loan options that will fit your needs! [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_raw_html 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type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”5%” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”creative-services” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1737399774203{margin-right: 200px !important;margin-left: 200px !important;}” text_direction=”default”] # We offer a wide selection of loan programs for every need. Our menu of loan products can serve first-time homebuyers, investors, move-up buyers, cash-out refinances for debt consolidation, Veterans, and more. [/vc_column_text][vc_row_inner equal_height=”yes” column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][fancy_box box_style=”color_box_basic” icon_family=”none” box_color=”#2ac4ea” content_color=”#ffffff” box_color_opacity=”0.6″ box_alignment=”left” border_radius=”default” image_loading=”default” enable_animation=”true” animation=”fade-in-from-bottom” color_scheme=”none” secondary_content=”here’s some awesome text that would only be shown on hover” min_height=”0″ css=”.vc_custom_1737399824977{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}”] #### 30 Year Fixed-Rate The most popular loan program, with longer-term affordable, and fixed payments. BENEFITS - Affordable Lending Programs Available - Low Down Options down to 3% - Fixed Payments [/fancy_box][fancy_box box_style=”color_box_basic” icon_family=”none” box_color=”#2ac4ea” content_color=”#ffffff” box_color_opacity=”0.6″ box_alignment=”left” border_radius=”default” image_loading=”default” enable_animation=”true” animation=”fade-in-from-bottom” color_scheme=”none” secondary_content=”here’s some awesome text that would only be shown on hover” min_height=”0″ css=”.vc_custom_1737399885283{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}”] #### Jumbo For Borrowers looking for financing exceeding conforming loan limits, or high-cost areas. BENEFITS - Loan amounts up to $3M - Flexible underwriting guidelines - Down payments options as low as 10% [/fancy_box][/vc_column_inner][vc_column_inner column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][fancy_box box_style=”color_box_basic” icon_family=”none” box_color=”#ff1053″ box_color_opacity=”1″ box_alignment=”left” border_radius=”default” image_loading=”default” enable_animation=”true” animation=”fade-in-from-bottom” color_scheme=”none” secondary_content=”here’s some awesome text that would only be shown on hover” min_height=”0″ css=”.vc_custom_1737399949488{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}” delay=”100″] #### FHA Great for first-time homebuyers, borrowers with credit events, and those needing low down payments. BENEFITS - Down payment options as low as 3.5% - Flexible underwriting guidelines - Low MIP (Mortgage Insurance Premium) [/fancy_box][fancy_box box_style=”color_box_basic” icon_family=”none” box_color=”#ff1053″ box_color_opacity=”1″ box_alignment=”left” border_radius=”default” image_loading=”default” enable_animation=”true” animation=”fade-in-from-bottom” color_scheme=”none” secondary_content=”here’s some awesome text that would only be shown on hover” min_height=”0″ css=”.vc_custom_1737399977541{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}” delay=”100″] #### USDA Rural Development Excellent choice for buyers looking to purchase in markets outside major cities, in USDA eligible areas. BENEFITS - No down payment - Low PMI (Private Mortgage Insurance) even compared to programs with a down payment - Great rates [/fancy_box][/vc_column_inner][vc_column_inner column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][fancy_box box_style=”color_box_basic” icon_family=”none” box_color=”#2f88d6″ content_color=”#ffffff” box_color_opacity=”1″ box_alignment=”left” border_radius=”default” image_loading=”default” enable_animation=”true” animation=”fade-in-from-bottom” color_scheme=”none” secondary_content=”here’s some awesome text that would only be shown on hover” min_height=”0″ css=”.vc_custom_1696620274897{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}” delay=”200″] #### VA Exclusively offered to US veterans and active-duty personnel. Low rates and flexible guidelines. BENEFITS - No Down Payment for eligible veterans - Low Rates - Flexible underwriting guidelines [/fancy_box][fancy_box box_style=”color_box_basic” icon_family=”none” box_color=”#2f88d6″ content_color=”#ffffff” box_color_opacity=”1″ box_alignment=”left” border_radius=”default” image_loading=”default” enable_animation=”true” animation=”fade-in-from-bottom” color_scheme=”none” secondary_content=”here’s some awesome text that would only be shown on hover” min_height=”0″ css=”.vc_custom_1696620603356{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}” delay=”200″] #### Non-QM Great option for buyers who may need out-of-the-box solutions like self-employed, investors, or near-miss. BENEFITS - Expanded underwriting guidelines - Lots of programs - Great alternative to Conforming [/fancy_box][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”Other available loan options.” font_container=”tag:h1|text_align:left” use_theme_fonts=”yes” css=”.vc_custom_1696620822934{padding-top: 10px !important;padding-bottom: 25px !important;}”][tabbed_section style=”vertical_modern” tab_color=”Accent-Color” vs_content_animation=”fade” vs_link_animation=”opacity” vs_navigation_alignment=”left” vs_navigation_width_2=”25%” vs_navigation_func=”default” vs_navigation_width=”regular” vs_navigation_spacing=”15px” vs_navigation_mobile_display=”visible” vs_tab_spacing=”5%”][tab icon_family=”none” title=”Adjustable Rate Loans” id=”1777407267512-3″ tab_id=”1777407267513-2″][vc_column_text]An adjustable-rate mortgage (ARM) is a type of home loan in which the interest rate is not fixed but varies over time, typically based on a predetermined index and a margin. The initial rate for an ARM is often lower than that of a fixed-rate mortgage, and it remains constant for a specified introductory period. After this period, the rate adjusts periodically, usually annually, based on fluctuations in the reference index. Adjustable-rate mortgages are best suited for borrowers who expect their financial situation to improve over time, plan to sell or refinance their home before the initial fixed-rate period ends, or are willing to take on the risk of interest rate fluctuations in exchange for a potentially lower overall cost. ARMs can be advantageous when interest rates are predicted to decrease, as borrowers can benefit from lower monthly payments after the rate adjustment. However, it’s essential to be aware that the interest rate and monthly payments may increase significantly when the adjustment period begins, depending on market conditions. Borrowers should carefully consider their financial stability, risk tolerance, and future plans before choosing an adjustable-rate mortgage.[/vc_column_text][nectar_global_section id=”4122″][/tab][tab icon_family=”none” title=”Down Payment Assistance” id=”1777407267558-0″ tab_id=”1777407267558-0″][vc_column_text]Discover the opportunity to own your dream home with our Down Payment Assistance Mortgage Loans. These specially designed financial solutions cater to first-time buyers and low-income individuals, reducing the initial burden of a hefty down payment. Our goal is to break down financial barriers and promote affordable homeownership. Learn more about qualifying criteria, loan terms, and repayment options. Let us guide you through every step of your journey towards home ownership. We are committed to making your dream home more than just a dream.[/vc_column_text][nectar_global_section id=”4122″][/tab][tab icon_family=”none” title=”Temporary Buydowns” id=”1777407267593-4″ tab_id=”1777407267594-9″][vc_column_text css=”” text_direction=”default”]Navigate the path to homeownership more comfortably with our Seller-Funded, Mortgage Temporary 2-1 Buydowns. This financial strategy allows you to start off with lower initial payments, giving you the breathing room you need in the early years of your mortgage. Over time, your payments increase gradually to a predetermined rate. These buydowns are funded by the seller and are negotiated along with the other terms of your offer. Get an overview of this innovative lending solution and understand how it can ease your financial stress during the initial mortgage period. With our RateReduce Temporary, and Permanent Buydowns, we’re committed to transforming the complex world of mortgages into a simple, accessible journey. Explore our website today to learn more and apply online. Your dream home could be closer than you think![/vc_column_text][nectar_global_section id=”4122″][/tab][/tabbed_section][vc_column_text css=”” text_direction=”default”]Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact HHL Group for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. HHL group does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by HHL Group does not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. HHL Group does not provide tax advice. Please contact your tax adviser for any tax related questions. HHL Group has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code. Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. Contact HHL Group for more information.[/vc_column_text][/vc_column][/vc_row] --- - [HHL Group – Spokane Valley Home Loan Center](https://www.hhlnorthwest.com/): HHL Group is an independent Home Loan Lender, with all the technology of a national Lender, with local service from our experienced staff. [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#a0a0a0″ bg_image=”3202″ bg_image_type=”default” bg_position=”left top” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”6%” bottom_padding=”8%” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” color_overlay=”#2b2b2b” overlay_strength=”0.8″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”fast” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][split_line_heading line_reveal_by_space_text_effect=”none” font_style=”h1″ content_alignment=”default” mobile_content_alignment=”inherit” animation_type=”line-reveal-by-space” link_target=”_self” text_content=”Home Loans Made Simple, Dreams Made Possible” text_direction=”default” font_size=”60″][/split_line_heading][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” content_layout=”default”][vc_custom_heading text=”Get Pre-Qualified in minutes. No Credit Pull – No Pressure. Just expert answers and your best loan options — fast!” font_container=”tag:p|font_size:20|text_align:center|color:%23FFFFFF|line_height:36px” use_theme_fonts=”yes” css=”.vc_custom_1776713997803{padding-right: 10% !important;padding-left: 10% !important;}”][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” 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gradient_type=”default”][vc_column_text css=”” text_direction=”default”] # Find the Right Home Loan Program for You! #### No Credit Check  |  No Commitment  |  No Pressure   Complete this quick form to discover personalized mortgage options based on your goals, budget, and timeline. [/vc_column_text][vc_column_text css=”” text_direction=”default”] 1 Loan PurposeSelect An OptionPurchaseRefinanceCash Out Refinance Purchase Price Current Loan Balance Cash Out Amount Est. Property Value Down Payment Property StateSelect A StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming County Property UseSelect An OptionPrimary Residence2nd HomeInvestment Property TypeSelect An OptionSingle FamilyCondo/Townhome2 Unit3-4 UnitManufactured Home Est. Credit ScoreSelect An Option800-850780-799760-779740-759720-739700-719680-699660-679640-659620-639Under 620 VA Eligible?Select An OptionYesNoNot Sure Est. Monthly Income Name Email Phone Find my Options By submitting this form, you agree to be contacted by HHL Group via call, text, or email regarding your mortgage inquiry. Msg & data rates may apply. Consent not required to purchase. Privacy Policy, Terms of Use, CA Terms of Use keyboard_arrow_leftPrevious Nextkeyboard_arrow_right [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”top-bottom” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_global_section id=”4322″][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#0B3F8E” scene_position=”center” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” color_overlay=”#000000″ overlay_strength=”0.5″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” top_margin=”40″ bottom_margin=”40″ flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][testimonial_slider style=”default” star_rating_color=”accent-color” autorotate=”5000″][testimonial star_rating=”100%” title=”Testimonial” id=”1776713975277-6″ tab_id=”1776713975278-6″ name=”Kaitlyn” subtitle=”Great company. I would highly recommend!” quote=”Tracy and his assistant were wonderful. They were very helpful, easy to work with and made sure the process went smoothly from start to finish.”][testimonial star_rating=”100%” title=”Testimonial” id=”1776713975321-0″ tab_id=”1776713975321-9″ name=”Patrick” subtitle=”Couldn’t have asked for a better experience with our refinance.” quote=”The HHL Group was great to work with!! They were straight forward and prompt. Delivered exactly what they said they were going to, when they said they were going to.”][testimonial star_rating=”100%” title=”Testimonial” id=”1776713975343-3″ tab_id=”1776713975343-7″ name=”Shoni” subtitle=”Very professional, and Super friendly too!” quote=”Fabulous experience! They seriously worked their fingers to the bone to get us into our house on time!”][/testimonial_slider][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” scene_position=”center” top_padding=”4%” bottom_padding=”4%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” color_overlay=”#ffffff” overlay_strength=”0.5″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1688596484519{margin-bottom: 50px !important;}” max_width=”600″] ## Mortgage Advice & Tips Learn the ins and outs of mortgage lending and get one step closer to realizing the dream of home ownership! [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][recent_posts style=”list_featured_first_row” columns=”3″ category=”all” order=”DESC” orderby=”date” image_loading=”default” blog_remove_post_date=”true” blog_remove_post_author=”true” blog_remove_post_comment_number=”true” blog_remove_post_nectar_love=”true” posts_per_page=”3″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”iconsmind” url=”/mortgage-101″ text=”View All Posts” icon_iconsmind=”iconsmind-Triangle-ArrowRight”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” scene_position=”center” top_padding=”35″ bottom_padding=”35″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text] ## Frequently Asked Questions? [/vc_column_text][toggles style=”minimal_small” accordion=”true” accordion_starting_functionality=”closed”][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How do I get pre-approved for a home loan?”][vc_column_text text_direction=”default”]Let’s help you get pre-approved, it’s never been easier! Fill out our quick online application, and we’ll guide you through the rest of the process towards your pre-approval, and get you out looking for your dream home! Apply Now![/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How can I find out how much home I qualify for?”][vc_column_text]Use our online tool for prequalification and connect with a loan officer. Understand your borrowing capacity before house hunting. Further, your loan officer can verify your assets, income, and assist in obtaining a formal credit approval before you make an offer.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are mortgage points?”][vc_column_text]Mortgage points, or discount points, are a one-time fee for a lower interest rate. One point equals 1% of your loan amount and can reduce your rate by 0.125% to 0.25%. Be aware, lenders’ fees vary; they might waive or add fees, altering total mortgage costs.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What’s an APR?”][vc_column_text]APR, or Annual Percentage Rate, represents the total cost of borrowing, including the interest rate and additional costs such as origination fees or points. It provides a comprehensive view of the loan’s cost annually, helping compare different loan offers.[/vc_column_text][/toggle][/toggles][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][toggles style=”minimal_small” accordion=”true” accordion_starting_functionality=”closed”][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Can I still get a mortgage if I have bad credit or have filed bankruptcy?”][vc_column_text]Yes, it’s possible to get a mortgage with bad credit or post-bankruptcy, although it might be more challenging. Some lenders specialize in ‘bad credit’ mortgages. Additionally, FHA loans are designed for those with lower credit scores. Consult with our experts for personalized advice.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”I just got a new job. How does this impact getting a mortgage?”][vc_column_text]A new job can impact mortgage approval, as lenders prefer stable employment history. However, if the job is in the same field and has a higher income, it could be positive. Every situation is unique, so we recommend discussing your specific circumstances with our loan officers.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are closing costs?”][vc_column_text]Closing costs are fees and expenses paid at the end of a real estate transaction. They may include loan origination fees, appraisal fees, title searches, title insurance, surveys, taxes, and credit report charges. Typically, they range from 2-5% of the purchase price.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What is mortgage insurance?”][vc_column_text]Mortgage insurance is a policy that protects lenders against losses if a homeowner defaults on their mortgage. It’s typically required for home loans with a down payment less than 20% of the property price, to offset the risk taken by the lender.[/vc_column_text][/toggle][/toggles][/vc_column][/vc_row] --- ## Posts - [Cash-Out Refinance: Unlocking the Power of Your Home’s Value](https://www.hhlnorthwest.com/mortgage-101/cash-out-refinance/): Discover the benefits of a cash-out refinance for home improvements, debt consolidation, and more. Take the next step and apply today! [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”4644″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][vc_column_text] ## What is a Cash-Out Refinance? Cash-out refinancing is a powerful financial tool that enables homeowners to tap into their home’s equity to use towards Home Improvements and/or Consolidating Debt. A cash out refinance can be a wonderful choice for you if you currently have high interest debt, would like to lower your total monthly payments, or your house needs some work. Let’s go through some basic information on how a cash out refinance could help you achieve your goals, and potentially improve your current finances! ## How Does a Cash Out Refinance Work? Refinances in general have the same process as a purchase mortgage, with the exception of potentially receiving cash back at closing, and/or having your debts paid off. Your new loan is used to pay off your current first lien, and any other HELOC’s or second liens you have on your home. The refinance process is detailed later in this article. ## Reasons to Consider a Cash Out Refinance There are several reasons why homeowners might consider a cash-out refinance. Some of the most common reasons include: ### Home Improvements A cash out refinance might give you the money you need to add a new room, remodel the kitchen, or improve your landscape, among other major home improvements. These upgrades can raise the value of your property, turning it into an investment in your future. ### Debt Consolidation You can reduce your monthly expenses and save money on interest by consolidating high-interest debt including credit card balances, auto loans, and personal loans via a cash out refinance. Even better, you might be able to shorten the length of your loan without increasing your overall monthly payments. ### Pay for Education Expenses A cash-out refinance might be a helpful source of funding if you or your kids need money to pay for school-related costs like tuition, books, or other living expenses. ### Emergency Expenses Unexpected expenses, such as medical bills or car repairs, can be stressful. A cash-out refinance can provide a financial safety net to cover these costs.[/vc_column_text][nectar_global_section id=”4224″][vc_column_text text_direction=”default”] ## Cash-Out Refinance vs. Home Equity Loan When deciding between a cash-out refinance and a home equity loan (HELOC), it’s crucial to consider the differences between the two: - Interest Rates: Because cash out refinances are secured by a primary mortgage, they frequently have lower interest rates than home equity loans. Second mortgages, which are frequently used for home equity loans, have higher interest rates as a result of the higher risk to the lender. - Loan Terms: With a cash out refinance, your current mortgage is replaced with a new one, potentially extending the loan duration. Home equity loans have their own payback periods, which are typically between 5 and 15 years, and are distinct from your first mortgage. - Closing Costs: Compared to home equity loans, cash-out refinances often have higher closing costs. The lower interest rate, though, might eventually make up for the increased prices. - Tax Implications: The interest paid on both cash-out refinances and home equity loans may be tax-deductible if the funds are used for home improvements or other qualifying expenses. ## How to Qualify for a Cash-Out Refinance ### To qualify for a cash-out refinance, you need to meet certain requirements: - Equity: Before you may be eligible for a cash out refinance, lenders typically demand that you have at least 20% equity in your house. This makes sure that your house has enough worth to support the new loan. Depending on the kind of loan you already have and the kind of loan you’re asking for, there are several exceptions to this rule including a VA Cash Out Refinance. - Credit Score: To get favorable interest rates and loan terms, you need a credit score that is strong (often 620 or higher). Your chances of being approved are better the higher your credit score. - Debt-to-Income Ratio: Your debt-to-income (DTI) ratio, which compares your monthly debt payments to your gross monthly income, will be evaluated by lenders. For a cash-out refinance, a DTI ratio of 50% or less is normally necessary, though it may be higher on some loan types. - Stable Employment History: Borrowers with a consistent employment history—typically at least two years spent with the same employer or in the same sector of the economy—are preferred by lenders. ### Determine how much cash you will need to reach your goals Determine how much you will need so that you can tell your lender whether you are making home improvements, consolidating debt, or building an emergency fund. Before submitting your loan application, total up all the debts you wish to combine, the expected cost of all home upgrades, and/or the sum of money you wish to set away for emergencies. ### Choose the Right Lender Securing the best loan terms and interest rates requires selecting the appropriate lender for your cash-out refinance. When choosing a lender, keep the following things in mind: - Reputation: Research each lender’s reputation by reading customer reviews and consulting with friends, family, or colleagues who have experience with the lender. - Loan Products: Look for a lender that offers a wide variety of loan products to ensure you find the right fit for your financial situation. - Interest Rates: Compare interest rates from multiple lenders to secure the most competitive rate for your cash-out refinance. - Customer Service: Choose a lender with responsive customer service and a dedicated loan officer to guide you through the application and closing process. ## Frequently Asked Questions About Cash-Out Refinances [/vc_column_text][toggles style=”minimal” accordion=”true” accordion_starting_functionality=”closed”][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”When is a Cash out Refinance a good idea?”][vc_column_text]A cash-out refinance can be beneficial for consolidating debt, lowering monthly payments, covering emergencies, or making home upgrades.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How much can I borrow with a cash-out refinance?”][vc_column_text]The amount you can borrow in a cash-out refinance depends on your home’s value, mortgage balance, and lender’s criteria. Typically, lenders limit borrowing to 80% of your property’s value.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are the interest rates for a cash-out refinance?”][vc_column_text]Interest rates for cash-out refinances vary based on your credit score, loan-to-value ratio, and market conditions. Higher credit scores and lower LTV ratios generally lead to lower interest rates.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How much will it cost to close on a cash-out refinance?”][vc_column_text]Closing costs for a cash-out refinance typically range from 2-5% of the loan amount, including fees for title insurance, origination, and appraisal. These costs are often covered by the new loan, not needing upfront payment.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are the tax implications of a cash-out refinance?”][vc_column_text]The interest paid on a cash-out refinance may be tax-deductible if used for qualifying expenses. However, the Tax Cuts and Jobs Act of 2017 imposed new limits on such deductions. Consult a tax professional for guidance specific to your situation.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How long does the cash-out refinance process take?”][vc_column_text]The cash-out refinance process can take anywhere from 30-45 days, depending on the lender and the complexity of your financial situation. To expedite the process, be prepared to provide all required documentation promptly and respond to any requests from your lender.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Is a cash-out refinance the same as a home equity loan?”][vc_column_text]A cash-out refinance replaces your existing mortgage with a new one, while a home equity loan is an additional loan on top of your mortgage. They differ in interest rates, loan terms, and tax implications.[/vc_column_text][/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Can I use a cash-out refinance to pay off other debts?”][vc_column_text]Yes, cash-out refinances can be used to pay off high-interest debts like credit card balances and auto loans. This could lead to savings on interest payments and a simplified monthly budget.[/vc_column_text][/toggle][/toggles][vc_column_text] ## Wrapping it up: Is a Cash-Out Refinance a Good Option? Cash-out refinancing can be a powerful financial tool for homeowners looking to unlock their home’s equity for home improvements, reduce their total monthly payments, or have some reserves in case of emergencies. By understanding the process, and carefully selecting a lender, you can ensure that a cash-out refinance is the right decision for you. Always consult with a financial professional before making any major financial decisions, and take the time to research and understand your options fully.[/vc_column_text][nectar_global_section id=”4229″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. VA Cash-out Refinance not available in Texas. HHL Group has no affiliation with the US Department of Veterans Affairs. Contact HHL Group for more information. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate, Inc. Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Rate does not provide tax advice. Please contact your tax adviser for any tax related questions. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] --- - [A Complete Mortgage Guide for First-Time Homebuyers](https://www.hhlnorthwest.com/mortgage-101/mortgage-guide-first-time-homebuyers/): Navigating your first home purchase? Dive into our comprehensive mortgage guide packed with essential insights for first-time homebuyer success. [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”4889″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][vc_column_text] ## Curious about mortgage loans? Wondering about the cost of a down payment? Not sure where to begin your mortgage shopping journey? Uncover these insights and more in our in-depth guide to understanding mortgage loans!   For first-time home buyers, the thought of securing a mortgage loan can be overwhelming. With so many options on the market, what type of mortgage is right for you? In this comprehensive guide, we’ll break down the essentials of what a mortgage is and explain each step toward securing your first home loan, so you can enjoy the process of being a first-time homebuyer! ## What is a Mortgage, and What are the Four Essential Elements? A mortgage is a loan from a lender, usually a bank or mortgage company who specializes in residential loan financing, to buy a home. The property acts as collateral that the lender can claim if you fail to repay the loan. A mortgage acts similar to an auto or RV loan, where the car or recreational vehicle is set as collateral for the loan. ### A mortgage consists of four essential elements: P-I-T-I Principal: The actual amount of money you borrow, excluding interest and other additional fees. As you pay your mortgage each month, a part of that payment goes toward your principal. Interest: The cost of borrowing money that’s included in your monthly payment, calculated using your credit score, home price, loan amount, down payment, loan term, and loan type. Taxes: Your property taxes are often included in your monthly payment. Your lender then keeps this money in an escrow account and pays it on your behalf when your tax bill is due. Insurance: Most homeowners pay homeowners insurance through their monthly mortgage payments. This includes private mortgage insurance (PMI) required by lenders when you put down a down payment of less than 20%, as well as insurance required for government-backed loans. ## Types of Home Loans When shopping for a home loan, buyers have several options to choose from based on their specific circumstances. Let’s look at the four basic categories of loans. Fixed-Rate Loans: The most predictable type of loan. The interest rate on this kind of loan remains the same for the entire duration of the loan, usually up to 360 months on a 30-year fixed-rate mortgage. Adjustable-Rate Loans: Unlike fixed-rate loans, an adjustable-rate mortgage (ARM) changes based on fluctuating interest rates. The most common types of ARM loans are 3/1 ARM, 5/1 ARM, and 7/1 ARM, with your interest rate being set for three to seven years before readjusting annually. Government-Backed Loans: Loans subsidized by the government, providing protection for lenders against defaults on payments. These loans tend to have high closing rates and lower interest rates. Examples include Federal Housing Administration (FHA) loans, Veterans Administration (VA) loans, and the U.S. Department of Agriculture’s Rural Development (USDA) loans. Jumbo Loans: Loans that don’t meet the guidelines laid out by Freddie Mac and Fannie Mae regarding credit, income, and asset requirements. These require a lengthy qualification process but allow for much larger loans if you put down a significant down payment. Non-QM Loan: Non-QM loans are designed to help homebuyers who cannot meet the strict requirements for typical lending products, often due to unique income situations. For example, a self-employed individual who cannot provide the required documentation or a borrower with a higher debt-to-income ratio may be better suited for a non-QM loan. Here is more information on loan programs: FHA vs Conventional Loan Programs ## How Much Mortgage Can You Afford? Before you start house hunting, it’s crucial to determine how much you can afford to borrow. Keeping in mind PITI elements, it’s recommended that your monthly payment should be no more than 28% of your gross monthly income. Use our mortgage calculator tool to get an idea of what monthly mortgage payments might look like with different types of loans and term lengths. ## Understanding Down Payments and Debt A down payment is the portion of the home’s purchase price that you pay upfront. For conventional loans, a down payment of 20% or more is ideal to avoid paying PMI. However, some government-backed loans can offer financing with as little as 3.5% down, and even 0% down for USDA Rural Development, or Down Payment Assistance Programs offered through state housing agencies.. Before applying for a mortgage, assess your debt-to-income ratio (DTI). Your DTI compares your monthly debt payments to your gross monthly income. Ideally, your debt shouldn’t exceed 36% of your income, however in reality, this may be closer to 45% with today’s prices. Here’s a related article on down payments: Why you don’t need a 20% down payment ## How Do Credit Scores Affect Buying a Home? A good credit score is crucial when it comes to securing a mortgage. Lenders use your credit score to determine how risky it is to lend you money. A low score indicates higher risk, which translates to higher interest rates. Before you start applying for mortgages, work to improve your credit score. ## What is Private Mortgage Insurance (PMI)? PMI is a type of insurance that protects the lender in case the borrower defaults on the loan. PMI is typically required if your down payment is less than 20% of the home’s purchase price. It can cause your monthly mortgage payment to increase by a few hundred dollars, so considering putting down a larger down payment or finding a loan that doesn’t require PMI could save you money in the long term. ## Calculating Closing Costs Closing costs are fees and expenses associated with buying a home, such as appraisal, taxes, and title searches. Typically, closing costs can range between 2% to 5% of the loan amount. Make sure to factor closing costs into your budget when figuring out how much house you can afford. ## How to Get Started Buying a House To get started buying a house, there are several steps you can take: - Get pre-approved for a mortgage before starting your house hunt. You can start that process online, or with a qualified Mortgage Loan Officer. We offer an easy online version. You can start that process below. Start my Application! - Hire a real estate agent to help you find the right home for your budget. - Make an offer on your desired property. - Finalize your mortgage application with your lender and close on your house. ## Pursue the Right Home Loan Option for You Choosing the right mortgage takes time and careful consideration. Ensure that you understand your financial standing, budget, and goals before selecting a loan type. Armed with a good understanding of the mortgage process, you can confidently move forward and purchase your dream home. ## More About Mortgage Insurance Mortgage insurance is an essential part of the mortgage process, particularly for those who have a smaller down payment. Mortgage insurance protects the lender in case you default on your mortgage, and is required for any mortgage with less than a 20% down payment. Mortgage insurance can be paid in different ways, either with a one-time upfront payment or a monthly payment that’s typically added to your mortgage payment. ## Let’s Talk Closing Costs When you close on a property, there are certain fees you’ll need to pay to finalize your mortgage. In general, closing costs can range from 2-5% of your total mortgage. These fees allow for the transfer of ownership of the property and ensure that everything about the transaction is done lawfully. The exact fees you may pay depend on various factors such as your bank, your mortgage type, and your location. ## Applying for a Home Loan Before you start applying for a home loan, you’ll need to have a few things in order. You should be prepared to provide information about your income, debts, and assets. Your credit score can significantly impact your mortgage rates and ability to qualify for certain loans. Once you have all this information, you can officially apply for a mortgage with a lender. Important Note: Your Mortgage Loan Officer can provide you with insights and additional information on optimizing your credit, once your application is submitted. So if there is anything that needs to be addressed before buying, that can be very helpful in your success. ## The Importance of Working with an Experienced Mortgage Lender Working with an experienced mortgage lender can make all the difference throughout the mortgage application process. Mortgage Lenders can help you find the best mortgage for your specific needs. Find someone local, with an established business, and good customer reviews. See what our customers are saying! ## The Importance of Working with an Experienced Real Estate Agent A competent Real Estate Agent is a valuable asset when you’re buying your first home. They can help you find a home that fits your needs and budget, negotiate the price, and guide you through the closing process. Often times your Mortgage Loan Officer can refer you to a local Real Estate Agent they trust to guide you through the process. Having your Real Estate Agent and Lender working together can make all the difference in the world to the success of buying your first home. This is also a benefit to working with local professionals, and not using online lenders. Here is an article on Real Estate Agent Fees: How are Real Estate Agent Fees Paid ## Home Inspection Always have a professional Home inspector inspect the home before you buy it. They can spot problems that you may not notice, potentially saving you thousands of dollars in the future. You can also use the home inspection as a roadmap to needed updates and upgrades you may want to do in the future. ## The Bottom Line Securing a home mortgage can be daunting for first-time buyers. However, with the right knowledge and guidance, it doesn’t have to be. Remember that there are many types of mortgages available to you, and finding the one that fits your needs is crucial. Factors such as your credit score, down payment, and income will all play a role in the mortgage process. However, by working with experienced professionals and arming yourself with the right knowledge, you’ll be well on your way to homeownership in no time. ## Frequently Asked Mortgage Questions: What exactly is a mortgage? A mortgage is a loan for buying a home. The home is put as collateral for the mortgage in case of default. Its four elements include Principal (loan amount), Interest (borrowing cost), Taxes, and Insurance (P-I-T-I). What are the different types of home loans? Home loans types include Fixed-Rate, Adjustable-Rate, Government-Backed, Jumbo, and Non-QM Loans, each serving different borrower needs. Several terms are available from 30,20,15, and 10 years on typical loan programs. How much house can I afford? You should ideally keep your mortgage payment between 28%-35% of your gross monthly income. A mortgage calculator can provide a rough estimate of what size loan you could potentially qualify for. You can always speak with a Mortgage Loan Officer as well. What is a down payment and how much should it be? A down payment is the upfront portion of the home’s price. Ideally, it’s 20% for conventional loans but can be as low as 3.5% for some loans. USDA Rural Development even offers 0% down payment options. What credit score is good for buying a house? A good credit score for buying a house typically starts at 670, according to the FICO score range. However, a score of 740 or above could get you the best interest rates. Lenders may have different requirements, so it’s best to check with them directly. What is Private Mortgage Insurance (PMI)? Private Mortgage Insurance (PMI) is a type of insurance that lenders require from homebuyers who obtain loans that are more than 80% of their new home’s value. In the event of a default, PMI protects the lender. Once equity reaches 20%, homeowners can typically request to cancel PMI. How are closing costs calculated? Closing costs, fees tied to home buying, range between 2% to 5% of the loan amount. Factor these into your budget when considering affordability. Often times, these can be negotiated and paid by the Seller of the home you are buying. How should I get started on buying a house? Start by assessing your financial situation, including credit score, income, and savings for a down payment. Next, get pre-approved for a mortgage to understand your budget. Then, research neighborhoods and hire a real estate agent. After finding a house, make an offer, get it inspected, and close the deal.[/vc_column_text][nectar_global_section id=”4122″][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code. If Applicant self-reports credit score as “needs improvement,” HHL Group will not run credit or provide credit scores via the Digital Mortgage. Applicant may request credit scores by contacting HHL Group, and your assigned Loan Officer.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] ---