Erik Ames NMLS 147723 AZ, CA and WA

Erik Ames NMLS 147723 AZ, CA and WA Licensed Mortgage Broker in AZ, WA, and CA.

As a loan originator for 22 years, I have built my career on establishing and maintaining trust with my clients which has led to continued relationships through the years.

🎆 Happy Independence Day!Today, we celebrate freedom, unity, and the incredible country we call home. Here's to the star...
07/04/2025

🎆 Happy Independence Day!

Today, we celebrate freedom, unity, and the incredible country we call home. Here's to the stars and stripes, backyard BBQs, fireworks, and the brave men and women who made it all possible.

Wishing you and your family a safe, joyful, and proud 4th of July!

God Bless America!

Erik Ames
Sr. Loan Originator
NMLS 147723
CA-DFPI14772 | AZ 1008586

Family First Mortgage LLC NMLS 2546884

⛰️ 🌴

Did you know you can qualify for a home loan based on your assets—not just your income?Our Asset Depletion Loan Program ...
06/13/2025

Did you know you can qualify for a home loan based on your assets—not just your income?

Our Asset Depletion Loan Program is perfect for retirees, self-employed clients, or anyone with substantial savings or investments who may not have traditional income streams.

✔️ No employment income needed to qualify
✔️ 20% down payment
✔️ Income is calculated by dividing eligible assets over 60 months or 240 months
✔️ Use checking, savings, money market, stocks, bonds, and retirement funds

If your wealth is in your assets, this program could be the key to unlocking your next home. 🏡

📲 DM me to learn more or see if this is the right fit for you!

Erik Ames
Sr. Loan Originator
NMLS 147723
CA-DFPI14772 | AZ 1008586
📲206-790-3447
đź“©[email protected]
Family First Mortgage LLC NMLS 2546884
⛰️ 🌴


Today, we remember.This Memorial Day, we honor the brave men and women who made the ultimate sacrifice for our country. ...
05/24/2025

Today, we remember.

This Memorial Day, we honor the brave men and women who made the ultimate sacrifice for our country. Their courage and commitment to our freedom will never be forgotten

Wishing you a meaningful Memorial Day.

What’s a HELOAN & How Can It Work for You? 💰A HELOAN, or home equity loan, is a fixed-rate loan that lets you borrow aga...
05/23/2025

What’s a HELOAN & How Can It Work for You? 💰

A HELOAN, or home equity loan, is a fixed-rate loan that lets you borrow against your home’s equity and receive the full amount as a lump sum. It’s often called a second mortgage because it’s secured by your home in addition to your existing mortgage.

Here’s why homeowners consider a HELOAN:
✅ Fixed Interest Rate – Your rate stays the same for the life of the loan
✅ Lump Sum Payout – Get the full loan amount upfront
✅ Predictable Payments – Fixed monthly payments make budgeting easier
✅ Use the Funds Your Way – Renovations, debt consolidation, education costs, and more

If you’ve built up equity in your home and want a stable, one-time loan option—this might be the right fit.

đź“© Want to know if a HELOAN makes sense for your goals?

Erik Ames
Sr. Loan Originator
NMLS 147723
CA-DFPI14772 | AZ 1008586
📲206-790-3447
đź“©[email protected]
⛰️ 🌴

Debt-to-Income Ratio (DTI): What Does It Mean for You?DTI is a key factor in the loan approval process. It’s your total ...
05/09/2025

Debt-to-Income Ratio (DTI): What Does It Mean for You?

DTI is a key factor in the loan approval process. It’s your total recurring debts divided by your total monthly gross income. Lenders use this ratio to determine if you can comfortably handle monthly payments.

If your DTI is too high above lending guideline requirements, you might have trouble qualifying for a loan. Knowing your DTI can help you plan ahead and make adjustments where needed.

Curious about where your DTI stands or how to improve it? Let’s chat, or comment below with any questions you have!

Erik Ames
Sr. Loan Originator
NMLS 147723
CA-DFPI14772 | AZ 1008586
📲206-790-3447
đź“©[email protected]
⛰️ 🌴

"

What Is a Cash-Out Refinance? Let’s Break It Down. As you pay down your mortgage and your home's value increases, you're...
04/25/2025

What Is a Cash-Out Refinance? Let’s Break It Down.

As you pay down your mortgage and your home's value increases, you're building something powerful: equity. That equity is the portion of your home’s value that you actually own—and with a cash-out refinance, you can tap into it.

Here’s how it works:
With a cash-out refinance, you replace your current mortgage with a new, larger one—and pocket the difference. Unlike a second mortgage, it doesn’t add a new payment to your plate. Instead, it pays off your old loan and gives you a new one.

What can you do with the cash?
🔧 Make home improvements
🎓 Pay off student loans
đźš— Cover unexpected expenses
đź’ł Consolidate higher-interest debt

It’s your equity. Use it to your advantage—smartly, strategically, and with a team that puts your goals first.

📩 Curious if a cash-out refinance could work for your situation? Let’s talk options.

Erik Ames
Sr. Loan Originator
NMLS 147723
CA-DFPI14772 | AZ 1008586
📲206-790-3447
đź“©[email protected]
⛰️ 🌴

What is Earnest Money & Why Does It Matter? An earnest money deposit is an initial payment paid to an Escrow Company—typ...
04/11/2025

What is Earnest Money & Why Does It Matter?

An earnest money deposit is an initial payment paid to an Escrow Company—typically 1% to 3% of the sales price—that shows a buyer’s intent to purchase a home. It’s a way to demonstrate that you're serious and committed to moving forward.

When the home purchase goes through successfully, the earnest money is usually applied toward your closing costs or down payment. It’s an important part of making a strong offer and giving the seller peace of mind during the transaction.

📩 Have questions about how earnest money works or how it affects your offer? Let’s talk!

Erik Ames
NMLS 147723
CA-DFPI14772 | AZ 1008586
📲206-790-3447
đź“©[email protected]
⛰️ 🌴

A refinance (or refi) is the process of replacing your current mortgage with a new one—often with better terms. Homeowne...
03/04/2025

A refinance (or refi) is the process of replacing your current mortgage with a new one—often with better terms. Homeowners choose to refinance to:

âś… Lower their interest rate & reduce monthly payments
âś… Consolidate debt into one manageable loan
âś… Cash-out equity for home improvements, investments, or other financial needs

Refinancing can be a smart financial move, but understanding the options that work best for you is key. We’re here to help you make an informed decision that aligns with your goals.

Thinking about refinancing? Let’s explore your options together!

⛰️ 🌴

I recently had the pleasure of helping a past VA client strategically tap into their home’s equity! Four years after pur...
02/20/2025

I recently had the pleasure of helping a past VA client strategically tap into their home’s equity! Four years after purchasing with a phenomenal, fixed rate, this client wanted to consolidate debt—without sacrificing that low interest rate. Through a consultative approach, I recommended a HELOC (Home Equity Line of Credit) to help lighten the financial load.

A HELOC offers flexibility by letting you borrow against your home’s equity when needed, and you only pay interest on the amount you use. This solution allowed our client to manage debt while preserving their original mortgage terms. It’s all about finding the right tool to meet your goals.

Ready to explore if a HELOC could help with your own financial strategy? Contact me today!

Erik Ames
NMLS 147723
CA-DFPI14772
📲206-790-3447
đź“©[email protected]

⛰️ 🌴

It was a pleasure assisting this Washington-based family with their home purchase in Rio Rico, AZ as they prepare for an...
02/05/2025

It was a pleasure assisting this Washington-based family with their home purchase in Rio Rico, AZ as they prepare for an exciting move. Helping clients navigate the financing process and secure a home that aligns with their future goals is always rewarding.

Making a move to a new state is a big decision, and I’m grateful for the trust they placed in me to guide them through this transition. Wishing them all the best as they settle into their new home and community!

Erik Ames NMLS 147723
📲206-790-3447
đź“©[email protected]

⛰️ 🌴

A seller concession is a financial incentive that a seller offers to help cover some of your closing costs. This can be ...
02/04/2025

A seller concession is a financial incentive that a seller offers to help cover some of your closing costs. This can be a percentage or flat amount applied toward expenses like loan fees, property taxes, or even interest rate buydowns—helping to make homeownership more affordable.

The maximum amount a seller can contribute depends on factors like the loan type, sales price, appraised value, and your down payment. Knowing these details upfront can help you structure a strong offer while keeping more money in your pocket.

Buying a home is a big investment, and I want you to feel confident and informed every step of the way.

Have questions about how seller concessions could work for you? Let’s chat! Drop a comment or send me a message. 💬📩

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Exciting News! 📢 I've expanded my lending reach to California! 🌴🏡With years of experience helping clients secure the rig...
01/30/2025

Exciting News! 📢 I've expanded my lending reach to California! 🌴🏡

With years of experience helping clients secure the right home financing in Washington and Arizona, I'm thrilled to now offer the same expert guidance and competitive mortgage options in the Golden State.

Whether you're looking to buy, refinance, or invest, I'm here to find solutions to fit your financial goals. If California is in your plans, let’s connect and explore your options!

Erik Ames
NMLS 147723
CA-DFPI14772
📲206-790-3447
đź“©[email protected]

⛰️ 🌴

Address

20806 Bothell Everett Highway, Suite 102
Bothell, WA
98021

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+12067903447

Website

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