Derek Williams / NMLS ID: 2185067

10/31/2025

Congratulations 🎉 Enjoy retirement 🏖️🍹
'the first Black Female Judge in Alaska' ⚖️👩🏿‍⚖️

10/31/2025

To the Honorable Judge Pamela Washington ⚖️👩🏿‍⚖️ - thank for serving on the bench and for making a difference in our community.🙏🏿

Now it's time for you to enjoy your longest vacation 🏖️ 🍹

Retirement Celebration of Hon. Judge Pamela Washington

Our goal is to make this retirement celebration a memorable event that befits the legacy of Hon. Judge Pamela Washington. The program begins at 5 PM on Thursday, October 30th. Attendance is by registration only, so please ensure you are registered to join us in honoring her remarkable career.

For those unable to attend in person, you can view the program on the ABC Facebook Live.

We look forward to celebrating together!

10/30/2025

This doesn't have to be you 😂

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

10/30/2025

10/30/2025

I gained 256 followers, created 54 posts and received 271 reactions in the past 90 days! Thank you all for your continued support. I could not have done it without you. 🙏🏿🤗🎉

10/29/2025

🏡 STOP Asking "What's Today's Mortgage Rate?" Here’s Why it's a Complex Question! 🛑

You see a number on the internet, but that's just the starting line! Asking for "the rate" is like asking for the price of a car without specifying the year, make, model and options.

Your mortgage rate is personal, and it comes with a menu of options, as seen in this rate sheet for a FNMA 30-Year Fixed-Rate, Owner-Occupied (O/O) Conventional Loan!

🔍 Decoding Your Rate Sheet (The Money Options!)
The numbers below the Rate column (from 7.625% down to 6.375%) aren't the rate—they are rate options you can choose! The key columns show the trade-off:
* Rate & Final Rate: The actual interest rate you lock in.
* Final Points & Cost/Credit: This is the crucial part—the upfront money required or given:
* Negative Numbers (e.g., -2036.90): This is a Lender Credit. You choose a higher rate (like 7.625%), and the lender gives you a credit to offset your closing costs. Less cash needed up front!
* Positive Numbers (e.g., 3662.82): This is Points or a cost. You are paying this amount upfront to "buy down" your rate to a lower one (like 6.375%).
* Payment: Your estimated monthly Principal & Interest payment based on that specific rate.

💸 The LLPA Factor: The Hidden Fee
Before this sheet is even generated, another fee is quietly added to your loan's "price," especially with Conventional loans: Loan-Level Price Adjustments (LLPAs).
* What are LLPAs? They are risk-based fees set by Fannie Mae/Freddie Mac. They essentially adjust your loan's cost (or rate) based on your unique risk factors.
* What triggers them? Your Credit Score, your Down Payment (Loan-to-Value), the Property Type (condo, single-family), and more.

💡 Good News: Government loans like FHA and VA typically DO NOT have these LLPAs, making them a great alternative if your profile triggers high fees on a Conventional loan!

The Important Conversation 🗣️
It all comes down to a fundamental question you need to discuss with your lender: Where is your money best spent?
* Do you pay $3,662.82 upfront to get a lower rate (6.375%) and save about $167/month?
* OR, do you use the $2,036.90 lender credit (7.625% rate) to pay for your closing costs, leaving that cash free for something else?

Many people would rather save that $3,662 in closing costs to put towards:
* 🛋️ Furnishing their new home
* 🍽️ Groceries/Food in the first few months
* 🏖️ A much-needed vacation after moving!

🤷🏿‍♂️ Don't just chase the lowest rate. Find the best financial strategy for YOUR life! Let's talk about your goals and choose the right option on your personal rate menu!

Ready to explore your options and find the perfect rate/cost balance? Send me a DM and let's get started!

10/28/2025

🏡 PRICE REDUCED! and Ready for Immediate Occupancy 🏡

Move-In Ready Gem in Eastbrook – Now Just $529,000!
This spacious 4-bedroom, 2.5-bath home in the Eastbrook Community offers 2,104 sq. ft. of living space on a generous 10,412 sq. ft. lot. Featuring a modern kitchen, cozy fireplace, living and family rooms, and fresh paint throughout — it's ready for a quick close!

📍 MLS #25-9510
📞 Repairs are done. Docs are in. All that's missing is YOU!
🔑 Schedule a showing with your Realtor today!
💬 Curious about monthly payments or closing costs? Message me and I’ll run the numbers for you — no obligation!

10/24/2025

When rates rise, so does my caffeine level ☕📈

Pouring energy (and an energy drink) into every home loan like it’s my job, because it is. 😅🤪

If you're thinking about investing in real estate but worried about rates, let's chat. There are smart ways to make moves even in this market.🤑🏘️

📲 DM me or drop a comment, and I'll help you navigate the numbers and find the right strategy for your goals.

10/24/2025

🏡 Join Me for an Open House This Saturday! 🏡

📍 8662 Spruce Brook, Anchorage, AK
🕛 Saturday, October 26 | 12 PM – 3 PM

I’m teaming up with Keith Harvey from Keller Williams Realty Alaska Group to showcase this spacious 4-bedroom gem in a fantastic school area. If you or someone you know is looking for a beautiful home that’s move-in ready, come take a look!

✨ Home Highlights:
4 Bedrooms | 3 Bathrooms | 2,031 Sq Ft
Master en-suite with jetted tub & separate shower 🛀🏿
Large, fully fenced backyard – perfect for kids & pets
West-facing deck ideal for grilling and enjoying Alaskan summers
Listed at $517,000 | MLS # 25-5582

🏠 Whether you're actively house hunting or just curious, stop by to tour the home and chat with me about financing options. I’ll be there to answer any mortgage questions and help you explore your buying power.

10/23/2025

🏡 Thinking About Buying a Duplex for Your Family? You might be closer than you think!

Whether you're expanding, relocating, or just ready for a fresh start, I’ve got mortgage options that can help you move in with little to no money down, including duplexes!

✅ Zero Down Programs
Pair an FHA loan with down payment assistance, some options are even forgivable after a few years of on-time payments.

✅ Low-Down Payment Options
From 1% to 5% down, including FHA, VA, USDA, and conventional loans. Some come with lender credits or extra assistance to help balance your budget.

🏠 Eligible properties include:
• Single-family homes
• Duplexes
• Condos
• Manufactured homes (with approval)

📉 Credit scores starting around 600
💬 No income limits on Zero Down programs
🎓 Homebuyer education may be required, but it’s a great way to feel confident!

If you're curious about what your family might qualify for...
📲 Call, text, or message me, whatever’s easiest.

Let’s make your next move a smooth one. 💬

10/22/2025

🏡 Open House – This Sunday! 🏡
📍 7831 Wildbrook Court, Anchorage, AK
🕚 Sunday, 11 AM – 2 PM

Join me and listing agent Johnnette Obillo at this Move-In Ready Gem in the Eastbrook Community!
✨ 4 Bedrooms | 2.5 Bathrooms | 2,104 SqFt
🔥 Freshly painted, modern kitchen, fireplace, and more!
💥 Priced to sell at $539,000 – all repairs done, docs in, ready for a quick close!

Whether you're house hunting or just curious, come tour this beautiful home and chat about financing options. I’ll be there to answer all your mortgage questions!

Let’s make your homeownership dreams a reality. See you Sunday!