1406 N Pines Rd Spokane Valley WA 99206


With mortgage interest rates at some of the lowest levels in decades, borrowers need to know where they stand and what they should do next. Now might be a good time to buy a new home or refinance your current mortgage.  You owe it to yourself to do your homework and get the information to help you make an informed decision. A lot of money can be saved with a little effort and making sure you are working with the right local lender.  We can do this together!!
By now most readers should know that the mortgage industry is a little crazy. Due to a variety of factors; increase in mortgage defaults, decrease in real estate prices, interest rates at historic lows, and others, it has become confusing on what type of loans are available and just who can get qualified.  
For the people with good to average credit looking for conforming loans, the market is very good. Interest rates have come down to generational lows….but for how much longer? The loan markets have opened up nicely. These are the easiest deals to get done. Furthermore, buyers in markets under $400,000 have the advantage. Supply has increased dramatically and many great seller concessions are available. Take advantage of this market by asking sellers to pay closing cost or making more aggressive (lower) bids. If a borrower is in this range, life will not get much better than it is right now.
Now, more that any other time, borrowers need to be smart and make sure they are working with the right local lender. Getting the best mortgage can save a borrower thousands, possibly even hundreds of thousands, of dollars over the life of the loan.
Whether you want to look at refinancing your current mortgage or looking to purchase a new home, as your local Mortgage Banker let’s work together in securing you the best available program and interest rate.
These interest rates won’t last forever!  Make the right decisions now.

Contact me at:
Rick Andreas
Mortgage Consultant-NMLS #297715
Envoy Mortgage-NMLS#6666
1101 N Argonne Rd., Suite 107
Spokane Valley, WA 99212
Cell-509.230.1334; work-509.232.0103

Navigating Today's Mortgage Market….Let's Do It Together!