Andy Millet, Mortgage Loan Officer - NMLS 2602671

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Andy Millet, Mortgage Loan Officer - NMLS 2602671

Mortgage Loan Officer NMLS # 2602671
Mortgage One Northwest NMLS # 2224854
https://nmlsconsumeraccess.com

08/11/2026

🏠 Are you waiting to buy a home… or waiting for the old housing market to come back?

I've had a lot of conversations with potential homebuyers who tell me the same thing:

“I'm waiting for rates to come down.”

I understand it. Nobody wants to pay more than they have to.

But here's something worth thinking about.

Mortgage rates have spent much of the last few years in roughly the same general range. We keep hearing predictions about where rates are headed next, but trying to perfectly time the housing market is incredibly difficult.

Meanwhile, life doesn't wait.

Families grow.
Jobs change.
Rent goes up.
People get married.
People relocate.
Sometimes you simply need more or less house.

That doesn't mean everyone should buy a home today.

Some people absolutely should wait.

But there's a big difference between waiting because buying doesn't make financial sense for you right now and waiting because you're expecting the housing market to suddenly look like 2020 or 2021 again.

Instead of trying to predict exactly where mortgage rates will be six months from now, I'd rather help someone answer a few questions:

Can you comfortably afford the payment?

How much money will you have left after closing?

How long do you expect to own the home?

Does buying make more sense for your family than continuing to rent?

And probably the most important question:

What exactly are you waiting to change?

There are some positives for buyers right now that don't get nearly as much attention as mortgage rates. Inventory has improved in many markets, buyers often have more negotiating power, and we're seeing opportunities for seller concessions that were much harder to get during the frenzy a few years ago.

You don't have to predict the bottom of the market.

You need to know whether buying a home makes sense for you, with today's numbers.

That's where I can help.

If you've been sitting on the sidelines wondering whether you should buy now or keep waiting, send me a message. I'll help you run the numbers and look at the options.

No pressure to buy. Sometimes the answer really is “wait.”

But let's make that decision based on your finances and your goals, not a guess about what mortgage rates might do next.

07/18/2026

What an unforgettable way to celebrate National Mortgage Broker Day!

Yesterday I had the incredible honor of attending the New York Stock Exchange Closing Bell Ceremony after being randomly selected to represent mortgage brokers from across the country.

The ceremony was sponsored by United Wholesale Mortgage (UWM), the nation's largest wholesale mortgage lender, to recognize the work independent mortgage brokers do every day to help families achieve homeownership. It was an experience I'll never forget. Thank You UWM!

Standing on the floor of the NYSE was exciting, but what means even more to me is what it represents.

Being a mortgage broker isn't about selling one loan product. It's about listening first, understanding each family's goals, and finding the loan that truly fits their situation.

Sometimes that's a first-time homebuyer purchasing their dream home.

Sometimes it's helping a homeowner use a HELOC or Home Equity Loan while keeping the low mortgage rate they've worked hard to secure.

Sometimes it's helping a family move into a home with more space.

Every client has a different story, and every loan should be built around that story.

I'm grateful to my clients, referral partners, friends, and family for trusting me to be part of one of the biggest financial decisions they'll ever make. Your support means more than you know.

Here's to continuing to serve families across Washington State and helping more people achieve their homeownership goals.

Happy National Mortgage Broker Day! 🏠

07/09/2026

🎉 June was a active month!
I am so excited that I was able to help 7 families close on their loans last month, including a homeowner who used a HELOC to access their home's equity without giving up their low mortgage rate.

Whether it was a first-time buyer getting the keys to their new home, a family moving into a bigger house, or a homeowner putting their equity to work, it's been rewarding to be part of each story.

A huge thank you to all the real estate agents I had the opportunity to work with this past month. Thank you! I truly appreciate your trust, communication, and teamwork.

One thing I've been talking with a lot of homeowners about lately is debt. Americans now carry more than $1.3 trillion in credit card debt, and high-interest payments can make it difficult to get ahead.
If you're one of the many homeowners with a mortgage rate in the 2–3% range, I completely understand why you don't want to refinance and lose that rate.

The good news is that refinancing isn't your only option. A HELOC or Home Equity Loan (HELOAN) may allow you to tap into your home's equity while keeping your existing first mortgage exactly where it is. Whether you're looking to consolidate debt, make home improvements, or simply have access to funds, it's worth exploring your options.

If you're thinking about buying your first home, moving up, or wondering what you can do with the equity you've built, I'd be happy to have a conversation.

If you're thinking about buying, reducing high-interest debt, or if you'd like to learn more about HELOCs and Home Equity Loans. You can always message me or call me (360) 520-2696.

Rates and loan programs change daily. All loans are subject to credit approval, underwriting, and program guidelines. Home equity products are subject to lender eligibility requirements. Contact me to discuss which option may be right for your situation.

05/21/2026

Struggling with today’s mortgage payments? You’re not alone.

One of the biggest challenges for homebuyers right now is affordability — especially during the first year of homeownership when moving expenses, furnishing costs, and life changes all hit at once.

That’s why I’m excited to offer the new UWM 1-0 Buydown program through Mortgage One Northwest.

✅ Lower monthly mortgage payments during the first year
✅ More flexibility for first-time homebuyers and move-up buyers
✅ Available on eligible Conventional, FHA, and VA home loans
✅ A smart option for buyers wanting easier entry into homeownership

This program may help reduce your payment by using a temporary 1% lower rate during year one — creating breathing room while you settle into your new home.

Whether you’re:
🏡 Buying your first home
🏡 Moving into a larger home
🏡 Relocating in Washington State
🏡 Exploring FHA loans, VA loans, or Conventional financing

…I’m here to help you understand your options and build a plan that fits your goals.

As a local mortgage loan officer in Washington, I believe education matters. My goal is to help buyers make confident decisions — not pressure them into one-size-fits-all financing.

If you’ve been waiting for mortgage rates or monthly payments to feel more manageable, this could be the opportunity worth exploring.

📩 Message me anytime to run numbers or see if the 1-0 Buydown could work for you.

05/19/2026

🏡 BIG changes are happening in the mortgage industry.

Companies like Rocket Mortgage and Redfin are rolling out new “all-in-one” homebuying platforms promising convenience and savings.

And while technology can absolutely make parts of the process easier…

There’s still something incredibly important that technology can’t replace:

👉 Personalized guidance.
👉 Local market expertise.
👉 Creative loan solutions.
👉 Having a real person in your corner.

Buying a home is one of the biggest financial decisions most people will ever make. Every buyer’s situation is different.

As an independent mortgage loan officer, my job isn’t to push one solution.

My job is to:
✅ Help you explore your options
✅ Find financing strategies that fit YOUR goals
✅ Explain the process clearly
✅ Be available when questions come up
✅ Help you feel confident from application to closing

Technology matters.
But relationships, communication, and strategy still matter too.

If you’ve been thinking about buying, refinancing, or simply want a second opinion before making a big decision, I’m always happy to help.

📲 Call or text me anytime:
360-520-2696

Andy Millet
Mortgage Loan Officer
Mortgage One Northwest Inc.

NMLS #2602671
Company NMLS #2224854

Equal Housing Opportunity

05/16/2026

🚨 BIG NEWS for future homebuyers! 🚨

You may now have MORE opportunities to qualify for a mortgage, even if traditional credit scoring models held you back before.

Mortgage lending is evolving, and the new VantageScore 3.0 model is designed to take a more complete look at your financial habits and credit behavior.

That means:
✅ More data points considered
✅ Better recognition of positive payment trends
✅ Potentially more opportunities for borrowers with limited credit history
✅ A more modern approach to mortgage qualification

This could be especially helpful for:
🏡 First-time homebuyers
🏡 Buyers rebuilding credit
🏡 Veterans using VA financing
🏡 Borrowers who may have been told “not yet” in the past

If you’ve been thinking about buying a home but weren’t sure you could qualify, this may be worth a conversation.

Every situation is different, and I’d be happy to walk through your options and answer your questions.

📲 Send me a DM or call/text me at (360) 520-2696 to see if VantageScore could help you on your path to homeownership.

04/17/2026

🚨 CLEAR TO CLOSE IN JUST 7 DAYS on a VA Loan! 🇺🇸🏡

This is why I love what I do.

My client came to me ready to buy a home and needing a lender who could move fast, communicate clearly, and get the job done. Just 7 days later… we got the call every buyer wants to hear:

✅ CLEAR TO CLOSE ✅

For this veteran and their family, it means they’re one step closer to the keys, a fresh start, and a place to call home. For me, it’s a reminder that the right mortgage strategy + the right team can make all the difference.

Too many buyers are told the process has to be slow, stressful, or impossible. That’s simply not true when you have the right guidance from the start.

If you’re a veteran, active duty, or know someone thinking about buying this year, let’s talk about what may be possible. You might be closer than you think.

Address

1112 View Avenue Office A
Centralia, WA
98531

Telephone

+13605202696

Website

https://bit.ly/3Zc6sJc

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