Tami Konkel BayWest Mortgage Owner/Broker Brookings, Oregon Nmls#: 260054

06/11/2026

06/10/2026

Contact me for your qualification status. Whether purchasing or refinancing or needing a home equity loan, I have you covered with great current interest rates and fees! 541-251-4080. www.baywesthomeloans.com.

04/21/2026

An option to start buyers off with lower payments.
I'm turning payment-sensitive buyers into approvals - with lower payments when it matters most.

With the FHA 3-2-1 Temporary Buydown, borrowers start with reduced monthly payments in the first three years - helping more of your buyers qualify and move forward.

How It Works:

Year 1: Monthly payment is 3% below note rate
Year 2: Monthly payment is 2% below the note rate
Year 3: Monthly payment is 1% below the note rate

When To Use It:
Payment just outside qualification range
Buyer is hesitant due to monthly payment
Competitive purchase situations where affordability matters

Product Overview:
Minimum credit score: 580
3.5% down payment
Primary residence purchase only (1-4 units)

Call or text me for more details and qualification - 541-251-4080

04/02/2026

Media nor internet are your mortgage rate and financing answers - Contact me for real time, up to date rate quotes; keep your loan process easy where you can talk and go through the process one on one. Anyone can work through a cubical with a headset - are they looking out for your best interest, return business or future referrals? Nope, but I am. Direct: 541-251-4080 - Call or text for your appointment. 519 Chetco Ave., Ste 1., Brookings - Not a cubical but a real professional.
See a great commentary post below Courtesy Mortgage Mortgage Rates Daily Update. -
On any given Thursday, there's a decent enough chance that the average mortgage rate headline will be unintentionally misleading. At issue is media reliance on the longstanding weekly mortgage rate surveys. If news stories are going to cite this data, that's fine, but it's critical to understand the methodology.
Whether it's MBA (reported yesterday) or Freddie Mac (reported today), the weekly surveys have an inherent reporting lag--that is, they are published at least a day after data collection ends. In addition, they represent an average of 5 business days. This means that the weekly mortgage rate would be reported as 6.2% if the first 4 days were 6.0% and the 5th day jumped to 7%.
This is most frustrating for consumers when the present moment's rates are higher than the weekly average. Thankfully, today's case is the opposite. The most recent long-term rate high occurred on March 27th, and we've moved noticeably lower since then. Today didn't add much to that move, but it nonetheless brought the average lender to the lowest levels since March 18th.

04/01/2026

Established 4/1/2003. 23 years of helping folks finance their homes. Proud day! And no this is not an April Fools joke. lol. 541-412-2742.

01/14/2026

Just received this review! ❤
"Tami went above and beyond! She is amazing! She is so kind and has an incredible work ethic! I cannot believe how fast she processed documents! Definitely see Tami if you want a speedy, flawless transaction and a person who gets back to you right away! I will tell everyone how great she is! Thank you again Tami! You’re the best!!! 😃💕 Desiree Viverito"

12/31/2025

My first home purchase was 10.5% in 1988. Rates are not historically high. I just locked 5.99% no points for a client yesterday.