YOUR LOAN OFFICER EACH STEP OF THE WAY
Understand your mortgage before you ever sign one.
Buying a home shouldn't feel like decoding a foreign language. Together we can walk through every step, what it means, what it costs, and what's actually right for you.
Based in Battle Ground, WA; lending across three states.
LICENSED IN
WASHINGTON
MONTANA
WYOMING
SOUTH DAKOTA
4
STATES LICENSED
$0
TO HAVE A CONVERSATION
1
PERSON, START TO KEYS
THE PROCESS, DEMYSTIFIED
Five steps. Here’s exactly what each one is.
Most of the stress in a mortgage comes from not knowing what's next. So here's the whole map — what happens, what it means, and what you'll need to bring at each stage.
-
01 The Conversation
We talk before any paperwork. I learn your goals and timeline; you ask anything. This is where we figure out whether buying now makes sense — with zero obligation.
-
02 Pre-Approval
I verify your income, assets, and credit, then issue a letter stating what you can borrow. This is what makes sellers take your offer seriously — it's not a loan yet, it's proof you're ready.
-
03 House Hunting & the Offer
You shop with confidence; when you find the one, I help structure an offer that's competitive without overreaching. Once it's accepted, your loan application formally begins.
-
04 Underwriting
The quiet stretch where the lender double-checks everything and an appraisal confirms the home's value. It feels like a black box — so I narrate every request and turn so you're never guessing.
-
05 Closing
You review and sign the final documents, funds transfer, and the home is yours. I walk you through the closing disclosure line by line beforehand — no surprises at the table.
LOAN TYPES, IN PLAIN TERMS
Which loan fits you? Here’s the honest breakdown.
There's no "best" loan — only the right one for your situation. Across Washington, Montana, and South Dakota, these loans cover most buyers.
WHAT CAN YOU ACTUALLY AFFORD?
It’s not just the price tag.
Lenders look at the whole picture, not one number. Understanding these four levers helps you know what you can comfortably carry — and how to improve it before you apply.
Debt-to-income ratio
How much of your monthly income already goes to debts. Most loans want your total housing + debt under ~43%.
Credit score
It shapes your interest rate more than almost anything. Even a 20-point improvement can change your monthly payment.
Down payment
More down lowers your loan and can erase mortgage insurance — but several programs need far less than the mythical 20%.
The full monthly cost
Principal, interest, property taxes, insurance — and HOA where it applies. I show you the real number, not just principal.
STRAIGHT ANSWERS
The questions everyone’s afraid to ask.
No such thing as a dumb mortgage question.
Here are the ones I hear most.
-
No — that's the most common myth. Many conventional loans accept 3–5% down, FHA as little as 3.5%, and VA and USDA loans can require nothing down. A larger down payment helps, but it's rarely the barrier people assume.
-
It varies by loan. FHA can work in the low 600s and sometimes below; conventional loans usually prefer 620+. Higher scores earn lower rates, so if yours needs work, I'll show you which moves matter most before you apply.
-
Yes — I'm licensed in Washington, Montana, and South Dakota. Whether you're buying in Clark County, relocating to Bozeman, or settling near Rapid City, you work with the same person the whole way through.
-
From accepted offer to keys, typically 30–45 days. Pre-approval beforehand takes a few days. The biggest delays come from slow document responses, which is exactly what I help you stay ahead of. But each loan and home has its own timeline.
-
Pre-qualified is an estimate based on what you tell me. Pre-approved means I've verified your documents and credit — it carries real weight with sellers. Always aim for pre-approved before you shop seriously.
WHO YOU’LL WORK WITH
One guide, from first question to final signature.
Meet Tony, a loan officer based in Battle Ground, Washington. His goal is to make the mortgage process as easy as possible and help you understand what is happening each step of the way.
You won't be handed off to a call center. The person who answers your first question is the same one who walks you through your closing disclosure. That continuity is the whole point.
NMLS#: 2650609 LICENSED IN WA - MT - SD - WY EQUAL HOUSING OPPORTUNITY
TOOLS TO HELP
Want to run some quick numbers?
Use one of the free tools to help you run some quick numbers to get an idea of roughly what you may be looking at.
NO PRESSURE, NO OBLIGATION
Start with a conversation,
not an application.
Bring your questions. We'll figure out where you stand and what makes sense — whether that's today or a year from now.
CALL (360) 600-8250
NMLS: #2650609