Planning to buy in the next few months?
Know what you can afford.
Then make an offer sellers trust.
It starts with a 15-minute call. You'll leave knowing exactly what you qualify for and what the monthly payment looks like. From there, we get your loan fully underwritten before you shop, so when you find the right house, you're ready to win it.
Soft credit check to startLocal Washington lender
Fully underwritten
before you make an offer
The process
How It Works
1
1
Book a 15-minute call
Tell us when you're hoping to move. We'll pair you with a loan officer who will stay with you through closing.
2
2
Get your real number
Based on today's rates, your income, credit, and debts. If something small is holding you back, we'll catch it while there's still time to fix it.
3
3
Get fully underwritten
Have your file reviewed and approved before you make an offer. Sellers see a buyer who's ready to close, not just pre-qualified.
Before you book
Is This Call For You?
This is a good fit if you
Plan to buy in the next 1 to 3 months
Have steady income and can share a few documents
Want to stop guessing and know your budget before you look at another house
It's probably too early if you
Are a year or more out and just curious
Only want to compare rates
That's fine. Download our ready-to-buy checklist and reach out when your timeline is closer. We'll be here.
Sound familiar?
Three reasons buyers call us first
Keep losing to cash offers?
A standard pre-approval doesn't tell a seller much. A fully underwritten loan does. It shows you can close on time, with no surprises, which is what sellers are really choosing between.
Waiting for rates to drop?
When rates fall, every buyer on the sidelines comes back at once and prices follow. A rate can be refinanced later. The price you pay for the house can't.
Tired of renting?
Most renters don't need 20% down. Many first-time buyer programs start at 3 to 3.5%, some veteran programs go to zero, and down payment assistance may be available. You may be closer than you think.
What it generally takes to qualify
Every situation is a little different, but these are the basics we'll look at together on the call.
Steady incomeTypically a two-year work history, though self-employed and commission income have paths too
CreditSome first-time buyer programs accept scores starting in the high 500s
A few documentsRecent pay stubs, two months of bank statements, and two years of tax returns
What Clients Say
From Google reviews
“
They were kind, patient, and always available. They really took the stress out of it.
Paws On The Go WA · worked with Camey and Hans
“
We were kept in the loop at all times. Even closed early.
Scott Slusser · worked with Hans and Camey
“
Wendy and the team made my first home buying experience a breeze!
Jeremy Rees · first-time buyer
Takes about two minutes
Tell us a little about where you are
1
Your name, phone, and email so we can reach you
2
A rough idea of your price range, down payment, and income
3
We'll text you to confirm a time for your 15-minute call
Estimates are fine. Nothing is pulled or verified until you decide to move forward. Not a commitment to lend.
Contact Us
20806 Bothell Everett Hwy, Ste 102
Bothell, WA 98021
Bothell, WA 98021
Local: (425) 770-0974
info@famfirstmtg.com
Equal Housing Lender. Not a commitment to lend. All loans subject to credit approval. Program availability, down payment minimums, and credit requirements vary by loan type and are subject to change. Information is general and does not describe a specific loan product. Refinancing subject to approval.