Resources

Rate tools, plus what moved this week

Everything I use with clients day to day — Rate's application, HELOC and refinance centers, loan guides — with a market update I refresh weekly.

Weekly market update

HELOC pricing keeps improving while purchase demand stays steady

Updated August 24, 2026

HELOC rates have come down — several clients are now pulling equity instead of refinancing a low first-lien rate.
Purchase pre-approvals are closing at an average of 15 days or less, so short contract timelines are workable.
Fixed-rate quotes remain highly credit- and LTV-sensitive: a 20-point score move can change pricing materially.
Sellers are engaging on concessions again, which makes a temporary rate buydown worth pricing on most offers.

Not a rate sheet. Ask me for a live quote — pricing moves daily with the bond market. Call (206) 335-7334 for live pricing.

Guides & tools

I originate through Guaranteed Rate Inc, so you get big-lender technology and pricing with my phone number attached to it.

A digital application reviews credit, income, and assets up front and returns a real pre-approval — not an estimate.

Tap home equity for renovations, debt consolidation, or a cash cushion without touching your first mortgage rate.

Conventional, FHA, VA, USDA, jumbo, ARM and more — every program I originate, explained in plain English.

Rate-and-term, cash-out, and streamline options, plus break-even math on when a refi actually pays.

Payment, affordability, and refinance break-even calculators. Your quote depends on credit, LTV, and property type.

Small moves on balances, student loans, and auto payments can change your pricing tier before you apply.

A twenty-minute call gets you a real payment range, a cash-to-close figure, and a plan for what comes next.