Denae Alley, Mortgage Loan Originator

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

09/03/2026

It’s the clients favorite question and lenders most dreaded.

No, I’m not afraid to tell you where I sit on rate but I also want to make sure we are comparing apples to apples and having an option that makes the most sense for you.

You want my lowest rate? I’d probably quote you an FHA loan with massive cost to it. That is the lowest rate. But does that make sense for you? Probably not.

So before calling a bunch of lenders asking “what’s your rate?” Let’s get to know your situation and figure out the loan structure that makes the most sense for you!

09/01/2026

I don’t really care what underwriting says…

Well yes I do, a lot actually. But I care more about what your comfort level in monthly payment is at. Each persons threshold is different based on what their lifestyle is.

Let’s chat to see what options are out there for you!

08/17/2026

No one really knows what’s going to happen but the market ain’t crashing!

The last few years in the real estate market has been volatile. Coming off of historically low rates and historically high appreciation (thanks 2020/2021), the one thing that has maintained is homes have appreciated.

Snohomish County YOY appreciation:
- 2021 :: +16.2%
- 2022 :: +18.1%
- 2023 :: + 1.9%
- 2024 :: +6.5%
- 2025 :: +1.3%

Each year you wait, you’re leaving money on the table and slowing your wealth building.

And that wraps up her official first competition season! She absolutely rocked and I couldn’t be more proud!! ❤️⛸️
08/15/2026

And that wraps up her official first competition season! She absolutely rocked and I couldn’t be more proud!! ❤️⛸️

08/13/2026

More money down = better mortgage strategy right??

Not always.

Sometimes putting more money down makes perfect sense. Other times, keeping that cash available can put you in a better financial position.

Emergency funds. Home improvements. Investments. Future plans. Furnishings that aren’t financed. Life.

Let’s put a plan together to figure out the option that makes the most sense for you.

08/11/2026

Mortgage Headlines can be LOUD! Everyone has an opinion. Rates are up, rates are down, The Feds did this, inflation is doing that. Each headline is also either scaring you or making it seem like you already behind.

The reality is, mortgage rates are influenced by many moving parts and a headline rarely tells you what it actually means for YOU!

My advice: use the headline to stay in touch, not to make decision.

Chat with someone you trust to understand your options because understanding your options changes everything!

It may not always be glamorous but you’ll be happy you did it and built it!!
08/06/2026

It may not always be glamorous but you’ll be happy you did it and built it!!

07/23/2026

Please be patient. I have to ask a lot of questions and dig deep.

No I don’t care that you get coffee everyday.

No I don’t care that you go to Target or Nordstrom every week.

No I don’t care that you have 4 wine memberships. (Only reason I do is at so we can go together! 🍷)

Here’s what I do care about:

That you have enough funds in your account for closing.

That you don’t have any larger deposits. If you do, we need to know where it comes from and have proof. (Literal cash is not proof)

That you don’t have a payment being withdrawn that’s not on your credit report. Consistent payments will require an explanation.

I’m not here to judge. I’m here to get you in to a home!

Address

Bothell, WA
98021

Telephone

+14254781363

Website

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