Denae Alley, Mortgage Loan Originator

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Bothell, WA
Denae Alley, Mortgage Loan Originator

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Denae Alley
NMLS 1431861
AZ BK 0906702
Licensed in AZ,ID, WA
www.nmlsconsumeraccess.org

10/30/2026

Remember to set your clocks back this weekend!

Also, send this to someone who needs a reminder that 3% rates aren’t coming back! 😊

10/29/2026

Halloween part 1 with our skating fam!!

10/28/2026

Mortgage rates have been on quite the roller coaster. 🎢

In 1981, the average 30-year fixed mortgage rate was 16.64%. In 2021, it was just 2.96%.

And now? We’re somewhere in between.

But here’s the thing: A lower interest rate doesn’t automatically mean a better opportunity to buy.

Home prices, competition, seller concessions, and your personal financial situation all play a role.

The goal shouldn’t be to perfectly time the market. It should be to understand your options and recognize when an opportunity makes sense for YOU.

Because mortgage isn’t one size fits all.

💬 What interest rate did you get on your first mortgage?

Source: Freddie Mac Primary Mortgage Market Survey. Historical annual averages.

10/27/2026

Times are different. 2021, affordability was improving because rates were going down. BUT the part that is forgotten is you couldn’t negotiate, you couldn’t think about your options, you had to offer over asking price.

Things are completely different now and hot take: it’s better for buyers. Yes, affordability is getting worse as rates go up BUT sellers are helping cover closing cost & rate buydowns. You can actually negotiate and get what you want!

Let’s chat about how you can take advantage in this market!

10/26/2026

The best part about my job? Getting a front row seat in someone’s fresh start! Whether it be a first time buyer, couple moving states while entering retirement, finally buying your dream house or that vacation property.

Every loan has a story behind it and I get to help guide them through the process!

If you’re ready for your own fresh start, DM me “FRESH START”

10/26/2026

Had the best time at Thomas Family Farm! So many activities- the kids had a blast!!

10/21/2026

65 days until Christmas, 38 days until Small Business Saturday!

What’s your favorite small business? Give a shout out for people to support!

10/20/2026

Not every great opportunity comes with a “JUST LISTED” sign. 👀

Sometimes the listings worth revisiting are the ones that have been sitting, have already seen a price reduction, or have unexpectedly come back on the market.

None of these guarantee a good deal, and there’s always a reason to do your due diligence.

But they can be great starting points for a conversation about negotiating price, seller credits, and finding the right financing strategy.

Save this for your next home search—or send it to someone who’s actively looking!

10/20/2026

Real estate agents are making moves in today’s market. 👀

Not because rates are perfect. They’re not.

But because they’re recognizing opportunities that weren’t necessarily available a few years ago.

More negotiating power. More choices. More time to make decisions.

A good buying opportunity isn’t determined by interest rates alone.

Are you seeing opportunity in today’s market, or are you still waiting?

10/16/2026

$999,000 Original List Price

$899,000 Reduced Price

$765,000 Accepted Offer PLUS $30k in seller credit!

DEALS ARE BEING MADE!

Not every house will have this type of opportunity but this is a great example of why looking beyond the doom & gloom headlines matter!

Know someone who’s only seeing the “Rates are high” headline? Send them this!

Address

Bothell, WA
98021

Telephone

+14254781363

Website

http://www.npacificmortgage.com/

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