The Westermark Group - Camey & Hans Westermark Mortgage Brokers

The Westermark Group - Camey & Hans Westermark Mortgage Brokers Mortgage Brokers in Bothell Helping people purchase & refinance homes in Washington, Idaho, Oregon, California, & Texas. NMLS- 1514626 & 1053094

You don’t need to be ready to ask questions.You don’t need to have it all figured out. The best mortgage conversations a...
01/22/2026

You don’t need to be ready to ask questions.
You don’t need to have it all figured out.

The best mortgage conversations aren’t rushed, loud, or salesy.
They’re thoughtful, honest, and centered around what actually matters to you.

Buying, refinancing, or just gathering info? I’m always happy to talk it through.

Camey Westermark
Sr Loan Originator
Nmls 1514626

📲 425-205-8626

Family First Mortgage Nmls 2546884

📉 A strong finish to the week for interest rates!Market shifts like this can open doors—whether that means a little more...
01/10/2026

📉 A strong finish to the week for interest rates!

Market shifts like this can open doors—whether that means a little more buying power, a more comfortable monthly payment, or a chance to revisit options that didn’t make sense before.

If you’re thinking about buying a home or refinancing, I’m always happy to walk through scenarios and help you understand what this market could mean for you.

📩 Reach out anytime—curious conversations are welcome.

Hans Westermark
Sr. Loan Originator
Nmls 1514626

📲206-390-9915

Family First Mortgage
Nmls 2546884

12/25/2025

Merry Christmas and Happy Holidays 🎄
Wishing you a season filled with joy, peace, and time with the people who matter most. Grateful for the relationships, trust, and community we’ve shared this year.

Before you apply for a mortgage, do these 4 things A few small steps now can make a big difference later — from better r...
12/01/2025

Before you apply for a mortgage, do these 4 things

A few small steps now can make a big difference later — from better rates to a smoother closing!

🟢Avoid opening new credit or making large purchases
🟢Gather paystubs, W-2's, and bank statements
🟢Review your budget
🟢Talk with a mortgage professional

Which of these have you already done?

Drop a ✅ in the comments if you’re mortgage-ready!

Camey Westermark
Sr. Loan Originator
WA NMLS 1514626 | CA-DFPI1514626

Hans Westermark
Sr. Loan Originator
WA | OR | TX NMLS 1053094
AZ 1026061
ID MLO-2081053094
FL LO136006

Thankful for the clients who become friends, the partners who feel like family, and the opportunity to serve our communi...
11/27/2025

Thankful for the clients who become friends, the partners who feel like family, and the opportunity to serve our community every day.

Wishing you a warm and happy Thanksgiving!

There’s something about fall that always slows me down in the best way. The cooler air… the shift in the leaves… the gen...
11/18/2025

There’s something about fall that always slows me down in the best way. The cooler air… the shift in the leaves… the gentle reminder to pause before we roll into the holiday rush.

This season always makes me grateful for the people I get to walk alongside—buyers planning their next chapter, homeowners building equity, and families gearing up for a fresh start in the new year. It’s a good time to check in, reassess goals, and make sure your home financing is still supporting the life you’re building.

If you’re feeling that “let’s get things in order before the holidays hit” nudge, you’re not alone. I’m right here with you—coffee in hand, ready to help you step into the next season with clarity and confidence.

What’s one thing you’re hoping to feel lighter about heading into the holidays?

How much house can you really afford?That’s one of the most-asked homebuying questions — and for good reason. Your mortg...
11/17/2025

How much house can you really afford?

That’s one of the most-asked homebuying questions — and for good reason. Your mortgage payment depends on more than just income. Debts, down payment, loan type, and even property taxes all play a role in determining your true buying power.

We don’t rely on generic formulas or online calculators. We take a deeper look at your full financial picture to help you find the most affordable mortgage strategy that fits your lifestyle and goals.

📲 Ready to see what you can comfortably afford? Let’s map out your numbers before you start shopping for homes.

Hans Westermark
Sr. Loan Originator
WA | OR | TX NMLS 1053094
AZ 1026061
ID MLO-2081053094

What Does Your Credit Score Really Mean?Your credit score isn’t just a number—it’s a snapshot of how lenders view your f...
11/10/2025

What Does Your Credit Score Really Mean?

Your credit score isn’t just a number—it’s a snapshot of how lenders view your financial reliability.

Here’s how the FICO® ranges break down:
🔴 Poor: 300–579
🟠 Fair: 580–669
🟡 Good: 670–739
🟢 Very Good: 740–799
🔵 Exceptional: 800–850

The higher your score, the stronger your position when it comes to loan approvals, interest rates, and overall buying power.

Every point counts when it comes to home financing. Understanding where you fall on the scale can help you plan your next steps with confidence.

Curious how your credit might impact your home loan options? Let’s connect and explore what’s possible together.

Camey Westermark
Sr. Loan Originator
WA NMLS 1514626 | CA-DFPI1514626

Hans Westermark
Sr. Loan Originator
WA | OR | TX NMLS 1053094
AZ 1026061
ID MLO-2081053094
FL LO136006

11/07/2025

Throwback to my first time speaking on a real estate panel with the Women’s Council of REALTORS® Seattle-Metro.

Public speaking has never come naturally to me — I’m most comfortable working behind the scenes, supporting others and building connections quietly. But this experience reminded me that growth happens when we step outside what’s familiar.

I learned to trust my instincts, enjoy the moment, and lean into collaboration. The women I shared this panel with were inspiring, knowledgeable, and truly made the conversation flow.

11/04/2025

So many buyers start their home search by scrolling homes online or using an online mortgage calculators... but here’s the truth.

Before you start searching homes online, get pre-approved.
Why? Because a mortgage pre-approval gives you a clear strategy — not just a guess.

Online calculators and Zillow listings can’t show you:
💡 Which loan program aligns with your financial goals
💡 How much home you can really afford
💡 Ways to structure your purchase for lower payments or stronger offers

A true pre-approval helps you:
✅ Understand your full buying power
✅ Explore loan programs tailored to your goals
✅ Avoid falling in love with a home that’s out of budget

If you’re serious about buying, take the first step that smart buyers do — start with a strategy, not a scroll. A pre-approval is the foundation of a confident offer.

Ready to talk strategy before you start searching? Let’s connect!

Camey Westermark
Sr. Loan Originator
WA NMLS 1514626 | CA-DFPI1514626

Hans Westermark
Sr. Loan Originator
WA | OR | TX NMLS 1053094
AZ 1026061
ID MLO-2081053094
FL LO136006

What Really Impacts Your Credit Score?Your credit score isn’t just a number—it’s a reflection of your financial habits. ...
10/27/2025

What Really Impacts Your Credit Score?

Your credit score isn’t just a number—it’s a reflection of your financial habits. Whether you’re planning to buy a home soon or just want to strengthen your financial foundation, understanding what affects your score can make a big difference.

Here are the five major factors lenders look at:
✅ Payment history
✅ Credit usage (your utilization rate)
✅ Length of credit history
✅ Types of accounts (credit mix)
✅ Recent activity

Each of these plays a role in how lenders assess your ability to qualify for a mortgage and the loan terms you receive.

Camey Westermark
Sr. Loan Originator
WA NMLS 1514626 | CA-DFPI1514626

Hans Westermark
WA | OR | TX NMLS 1053094
AZ 1026061
ID MLO-2081053094
FL LO136006

Think your interest rate is just a number? Think again.Your mortgage interest rate is the percentage you pay your lender...
10/22/2025

Think your interest rate is just a number? Think again.

Your mortgage interest rate is the percentage you pay your lender for borrowing money to buy a home—it’s essentially the “cost” of financing your purchase.

Each payment you make is split between principal (your loan balance) and interest (the lender’s fee). Early on, most of your payment goes toward interest, but as time goes on, more goes toward paying down your loan.

Your rate is influenced by factors like:
✅ Credit score & debt-to-income ratio
✅ Economic conditions
✅ Loan type & down payment
✅ Optional lender fees or discount points

Understanding your rate means understanding your long-term costs and potential savings.
Want to explore what rate you could qualify for? Let’s chat about your goals and the programs that fit best.

Address

20806 Bothell Everett Highway, #102
Bothell, WA
98021

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12063909915

Website

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