Ian James Civey, Loan Originator with North Pacific Mortgage NMLS# 2039270

02/16/2026

Don't fall into that line of thinking!!! Call today for a consultation or click the link below to start the Pre-Approval process and make sure you're not missing out:
[email protected]?from_mobile_share=true." rel="ugc" target="_blank">https://apmobile.apmortgage.com/homehub/signup/[email protected]?from_mobile_share=true.

Ian Civey, MLO North Pacific Mortgage
NMLS #2039270 Licensed in WA, OR and AZ
[email protected]
425-903-2323

01/29/2026

It's critical to work with the right people. Here's a tip that can help highlight a strategy which is a MUST for 2026. Call today for your no obligation Pre-Approval consultation.

Ian Civey, Mortgage Loan Originator, North Pacific Mortgage
#2039270 Licensed in WA, OR and AZ
425-903-2323
[email protected]

05/29/2025

Thank you to David and Kim for the opportunity to help you find your first home. You both were an absolute pleasure to work with. Congratulations, and enjoy!!!

Come join in the vibes and see why RIGHT NOW is a great time to purchase a home. Whether you're a seasoned investment property mogul, or a first time home buyer we have the expertise to quickly and smoothly close any type of loan.

Call today for your complimentary consult.

Ian Civey MLO, North Pacific Mortgage
Licensed in OR and WA
[email protected]
425-903-2323
www.northpacificmortgage.com/ian-civey

04/14/2025

It's NOT the rate that's the big bully in the room. Housing prices are elevated and continuing to rise (still anticipating 4.1% appreciation in 2025). This is why the "wait for rates to get better" method is flawed. The rate isn't restricting buyers, but it sure is a good excuse. With all the political/economic noise going on right now...and for the foreseeable future, waiting for the rate to improve will NOT help you financially. If we can find you a home right now, that fits into YOUR budget then rates lose those big bad teeth.

Don't step over your dollars to pick up the pennies.

Call today for your free mortgage consult.

Ian Civey, MLO North Pacific Mortgage
NMLS # 2039270 Licensed in OR and WA
425-903-2323
[email protected]
https://www.npacificmortgage.com/ian-civey

03/02/2025

REFINANCE NOW...wait what??? Mortgage Rates have hit their lowest levels in 2025 so far and though that may seem like small potatoes, consider this. Our last refinance window came at the end of September of 2024...IT LASTED ONLY 4 DAYS before rates jumped back up to over 7%. And this was after 3 FED RATE CUTS! Don't hold off on the expectation of rates lowering quickly to a point where you think savings will be best. Refi now, save now, and start the clock for your next refi.

RIDE THE SAVINGS ALL THE WAY DOWN!!!

You can refinance more than once. I know it's scary to think about, but it's actually ok. Why not save at every low point we hit on our way to the bottom?

If you closed a home loan in 2022 or since, you might be in a great spot to refinance. Monthly payment reductions, debt reductions, home improvement projects, paying for school. Whatever the need the time is right now. Don't let this pocket of favorable rates get away from you before something else bounces them back up.

Call today for your free consultation.

Ian Civey MLO, North Pacific Mortgage
NMLS # 2039279 Licensed in OR and WA
425-903-2323 / [email protected]
https://www.npacificmortgage.com/ian-civey

01/23/2025

If you're in the market now or simply can't wait any longer, 2025 likely won't see the drastic interest rate declines we all hoped to see. That being said, opportunity is still out there but home prices will continue to rise. This reality MUST be reported on clearly as "timing" the housing market to buy a new home will not be a successful strategy. The cost of waiting is simply too great. Don't lose equity now while prices are on the rise in hopes of saving on your interest rate later. Or more aptly put...

Don't step over the dollars to pick up the pennies.

If you're at all serious about buying a home in 2025, now is the time to get prepared. Call today for your consult and Pre-Approval.

Ian Civey, MLO North Pacific Mortgage
NMLS # 2039270 Licensed in WA and OR
425-903-2323 / [email protected]

Wondering what to expect when you buy or sell a home this year? Here’s what the experts say lies ahead.

11/23/2024

Open House Alert!!! Come join me and Tim Dean, Realtor from 1pm to 4pm today and tour this beautiful and updated Condo in Arlington's Medical Center neighborhood. Check out the link below for more details on this one of a kind purchase opportunity.

Ian Civey, MLO North Pacific Mortgage
NMLS # 2039270 Licensed in OR and WA
[email protected]
425-903-2323

Experience modern living in this fully remodeled 2-bedroom, 1.75-bath condominium, perfectly blending style and convenience. Boasting 1,324 sq. ft. of open-concept living space, this second-floor gem offers zero-stair access via a private elevator, making it ideal for all lifestyles. Built in 2006 a...

11/11/2024

A very special day for me personally and for those out there with neighbors and loved ones who serve this country at the highest level. THANK YOU. Please, let those special individuals amongst us as well as their families know how much they mean to us all. There are simply no words weighted enough to show the level of appreciation.

I have been blessed to help numerous service members and their families find homes utilizing their VA benefits. This is a truly wonderful tool and I can't wait for the next opportunity to educate clients on how to maximize this plan. If you or someone you know is in need of help purchasing a home with this excellent benefit, please reach out today.

Thank you to all our members of the armed forces and reserves who've served, are currently serving, and to those who will take up the call. My family sleeps well at night knowing you're out there.

Ian Civey MLO, North Pacific Mortgage
NMLS #2039270 Licensed in OR and WA
[email protected]
425-903-2323

10/30/2024

If you're fearful of these new housing market trends, you're not alone. But fear not! The recent spike in interest rates we're currently experiencing (although absolutely infuriating) are somewhat normal. On the surface this may not seem like something to be excited about, but in reality seeing more "normal" interest rate patterns more in line with historical trends is indeed encouraging. Traditionally in the past when the Fed cuts it's Funds Rate, we experience a spike in Mortgage Rates (remember these two rates are NOT the same thing) before they gradually decline to levels lower than before. This will happen, and more so into 2025 with future cuts on the way. Don't let the fear and frustration deter you from your goals. I've attached a quick read here to emphasize one point in particular...DON'T TRY AND TIME THE MARKET! If you're looking at buying a home, do it! Don't hem and haw over what rates may, or may not, or "should" do. If you're prepared with a solid Pre-Approval and your budget is permitting the purchase of a new home...do it. The equity you'll gain and experience now vastly outweighs you're presumed "savings" by waiting longer for rates to cooperate

"Don't step over the dollars to pick up the pennies." Kevin Leibowitz, President Grayson Mortgage Brooklyn, NY.

Ian Civey, MLO North Pacific Mortgage
NMLS #2039270 Licensed in OR and WA
425-903-2323
[email protected]

No one likes making mistakes, especially when they happen in what’s likely the biggest transaction of your life – buying a home.

10/26/2024

Harvest Festival in Arlington. Come on down and chat with me and Tim Dean with RealtyOne Group and Puget Properties. Awesome day with the Halloween kiddos!

10/06/2024

To my coffee loving clients Mark and Amy, thank you so very much for the opportunity to service your family. And Mark, thank you for your service. Such a great feeling being able to help a Veteran and maximize your VA Loan benefits. A small read, but your kind words make my job worth it...

"My husband and I had the opportunity to work with Ian at North Pacific Mortgage when purchasing our home using a VA backed home loan, and I wanted to share our experience. Ian’s customer service/patience went above and beyond our expectations in multiple area’s. He and his team were knowledgeable, and responsive no matter how big or small the question or issue was. They made us feel valued as a customer with every correspondence via phone, email and text message. One of the standout aspects of Ian’s team was their expertise in VA loans. He was familiar with the specific requirements and benefits of VA loans, such as the 0% down payment and no private mortgage insurance, he also went above and beyond in writing our pre-approval letter during our house hunting phase. Our close date happened to fall during my husband’s retirement from active duty and this required some extra steps/time. During the entire process we were completely at ease as Ian did an amazing job of following up with questions and digging for information/clarification when needed. The application process was straightforward due to Ian providing clear instructions and helpful guidance throughout. We were given a lot of invaluable information that made it possible for us to purchase our home during an otherwise stressful time in our lives. The interest rates offered by North Pacific Mortgage were very competitive when compared to other lenders at the time. They clearly explained the VA funding fee and other associated costs as well as going over multiple options for buy down rates and such to keep our mortgage within our comfort level during these very tumultuous times with interest rates being what they are. The closing process was lightning fast, taking only as many days as required by the VA, our paperwork was ready and waiting well over a week before our scheduled closing date. Ian ensured that all the necessary documents were prepared and that we were well-informed about each step. Overall, our experience with Ian went above and beyond our expectations. I would highly recommend him and his company to other veterans and active-duty service members looking for a VA loan. We are already looking forward to working with him again soon both when we refinance our current loan to a lower rate and purchase a second/ retirement home."

Thank You Amy!!!

Call today to start your experience.

Ian Civey, MLO North Pacific Mortgage
NMLS #2039270 Licensed in OR and WA
[email protected]
425-903-2323