Welcome to another episode of Mortgage Moves Podcast, where hosts Michael Farmer and Samantha Lindley break down what’s happening in the Tri-Cities, WA real estate market and seller concessions. From Pasco to Richland and Kennewick, we’ll explore what buyers and sellers need to know in 2024. Whether you’re thinking about purchasing your first home, looking to upgrade, or just curious about market trends, we’re here to give you real, actionable information to help you plan your next steps.

With years of experience in the mortgage industry, Michael and Samantha bring straightforward advice and real-world perspectives you won’t find anywhere else. As part of American Pacific Mortgage Tri-Cities and American Pacific Mortgage Northwest, we’re focused on helping you navigate the market with the right tools and resources to make informed decisions. Join us as we unpack the latest trends and what they mean for you as a buyer or seller in the Tri-Cities area.

@MikeDidMyLoan | @MortgageLoansBySam

We're back! Michael Farmer and Samantha Lindley hosts of Mortgage Moves Podcast. Tri Cities WA top rated podcast for home shoppers! In this episode we dive into why we LOVE FHA loans. Why do we love them:

In 2024, FHA home loans remain a beloved choice for home shoppers, we can attest to their enduring popularity. These government-backed loans offer several compelling advantages in today's dynamic real estate market.

First and foremost, the minimum-down payment requirement of just 3.5% continues to make FHA loans an accessible option for a wide range of homebuyers, especially in a market characterized by rising property prices. Moreover, FHA loans are known for their lenient credit score requirements, providing opportunities for individuals with less-than-perfect credit histories to achieve homeownership.

Overall, FHA home loans continue to be a versatile and appealing option for home shoppers, offering flexibility, affordability, and sustainability benefits, making them a standout choice in 2024.

If you are looking to make a move on your next home this year, reach out to us to help you along the way. 

We are licensed in Washington, Oregon, California, Idaho and Arizona

In the captivating installment of the Mortgage Moves podcast, April Olsen takes center stage to delve into her rich background in the realms of real estate and lending. With remarkable finesse, she manages to strike a harmonious equilibrium between her family, professional commitments, and dedicated community service. As the episode unfolds, April candidly narrates her unique journey, offering listeners a glimpse into the challenges and triumphs that have shaped her career in Eastern Oregon.

Guided by the insightful questions of podcast host and top producer Samantha Lindley, this conversation unravels the layers of April's experiences and multifaceted roles. From navigating the intricacies of real estate to making impactful strides in lending, her narrative is a testament to resilience and ambition. Listeners are invited to join this engaging dialogue, where April's stories not only highlight her individual growth but also underline the significance of her contributions within the industry and the community at large.

@MikeDidMyLoan | @MortgageLoansBySam

In this episode, we dive deep with Scott, a multifaceted man who effortlessly juggles the roles of a coach, teacher, successful loan officer, devoted husband, and loving father in Umatilla, OR. Despite wearing so many hats, he exemplifies balance and excellence in every area. We'll explore his unique approach to success, the strategies he uses to connect with his clients, students, and family, and how he manages to keep all these balls in the air while maintaining his sanity! 

Tune in for an uplifting conversation that bridges the worlds of mortgage, education, sports, and family - a testament to Scott's exceptional life. Don't miss this opportunity to learn from a man who truly understands what it means to live a fulfilling, successful life on all fronts.

#mortgagemovespodcast #apmhermiston #apmtricities 

In this episode, we delve into the world of real estate and mortgage in the Tri Cities, WA and Hermiston, OR areas, uncovering the keys to achieving success with Tyler Smith. We explore the crucial role of managing expectations and how it can positively impact your career in the ever-changing real estate market. Discover effective strategies to develop a healthy mindset, enabling you to navigate challenges and embrace opportunities with confidence. Tune in to gain valuable insights and unlock your potential in real estate and mortgage.

We dive deep into the process of securing new construction home loans in the states of Washington, Oregon, California, Idaho, and Arizona through American Pacific Mortgage.

Starting off, we introduce ourselves and the regions we cater to, setting the stage for a detailed discourse on new construction home loans. We demystify the process, explaining what these loans are and why they are different from traditional home loans.

Then, we delve into how to qualify for a new construction loan, explaining credit score requirements, debt-to-income ratios, and other crucial elements that lenders consider. We provide expert tips on improving your credit score, managing your debt effectively, and understanding the importance of pre-approval in the loan process.

Next, we discuss the construction-to-permanent loans and stand-alone construction loans, comparing them side-by-side to help you make an informed decision. We highlight the differences, pros, and cons of each, enabling you to choose what suits your financial needs best.

Moving on, we talk about the step-by-step process of securing a construction loan. From choosing a lender and completing the application, to closing the deal and moving into your new home - we cover it all!

Moreover, we share insider knowledge on understanding loan terms, interest rates, and closing costs to prepare you for the financial journey ahead.

Finally, we answer some frequently asked questions about construction loans, debunking myths and addressing common misconceptions.

Whether you're a first-time homebuyer or an experienced real estate investor, this video is designed to guide you through the complex maze of new construction home loans. Tune in to demystify the loan process and get one step closer to your dream home.

Remember to subscribe to our channel and hit the notification bell to stay updated with the latest financial advice and tips. If you have any questions, feel free to drop them in the comments section below.

If you are in the market for a new construction home loan or any other purchase, reach out to Michael (@mikedidmyloan) or Samantha (@mortgageloansbysam)

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@MikeDidMyLoan | @MortgageLoansBySam

The real estate market in the Eastern Washington and Oregon has undergone significant shifts in recent years, resulting in changes in seller concessions and market trends. Previously, sellers held a dominant position and had the upper hand in negotiations. However, the market has become more balanced, giving buyers increased bargaining power. As a result, sellers in the PNW are now more inclined to offer concessions to attract potential buyers. These concessions may involve covering closing costs, providing repair credits, or even lowering the asking price. This shift in the seller's market highlights the evolving dynamics within the region's real estate landscape.

Market trends in the PNW reveal a growing demand for properties that offer convenient access to amenities. However, there is also a notable rise in interest for suburban and rural areas. Buyers are seeking spacious homes with dedicated home office spaces and outdoor areas, influenced by changing lifestyle preferences. The PNW's suburbs and smaller towns have become more popular as they offer buyers an affordable alternative to bustling city centers. These evolving market trends in the PNW reflect shifting buyer priorities and preferences within the region's real estate market.

Sierra Webb, a successful real estate professional, has emphasized the importance of family in her career. According to her, having a supportive family has been instrumental in helping her achieve her goals and overcome challenges in the industry.

One of the keyways in which Sierra's family has supported her is by providing her with a strong foundation of values and work ethic. Her parents instilled in her the importance of hard work, dedication, and perseverance, which have been critical in her success as a real estate agent.

Sierra also credits her family with providing emotional support during the ups and downs of the real estate business. She notes that the industry can be challenging and stressful, but having a supportive family to lean on has helped her stay motivated and focused.

In addition to emotional support, Sierra's family has also provided practical assistance in her career. For example, her husband is also a real estate agent, and they often collaborate on deals and share advice and resources.

Overall, Sierra's success in the real estate game is a testament to the power of a strong support system. With the help of her family, she has been able to overcome challenges and achieve her goals, and she encourages others in the industry to prioritize their relationships with loved ones as well.

@MikeDidMyLoan | @MortgageLoansBySam