Cami Anthony, Loan Advisor

06/04/2026

🏡 Realtor & Lending Partner Update

Fannie Mae and Freddie Mac are updating their Area Median Income limits on June 13th.

Why should you care?

Because programs like HomeReady and Home Possible can provide valuable qualification advantages for some buyers, including:

✅ Lower down payment requirements

✅ Reduced mortgage insurance costs

✅ Potential income flexibilities

✅ Potential debt ratio flexibilities

✅ Expanded opportunities for buyers who may be right on the edge of qualifying

With the new income limits taking effect, some clients who were previously ineligible may now qualify for these affordable lending programs.

This is a great time to revisit buyers who:

• Thought they needed a larger down payment

• Were struggling with monthly payment affordability

• Were close to qualifying but fell just short

• Have paused their home search

Not every borrower will benefit, but for the right client these programs can be powerful tools.

If you have a buyer scenario you’d like me to review, I’d be happy to take a look and explore available options.

LoanStrategies FirstTimeHomebuyer WashingtonRealEstate EverettWA SnohomishCountyRealEstate MortgageSolutions Homeownership

06/02/2026

🏡 Important Update for Homebuyers

Some of the income limits used for popular first time homebuyer programs are changing on June 13th.

What does that mean?

For some buyers, these changes could open the door to new opportunities and savings. For others, waiting too long could mean missing out on benefits they currently qualify for.

Programs like HomeReady and Home Possible are designed to help eligible buyers purchase a home with lower down payment requirements and reduced costs.

The good news? Many people who think they don't qualify are surprised to learn they do.

If you're planning to buy a home in the next 6 to 12 months, now is a great time to see what programs may be available to you.

Send me a message and let's explore your options.

06/01/2026

🏡 Market Update: More Inventory, Stable Rates, and What It Means for Buyers

Mortgage rates have remained relatively stable this week, while housing inventory continues to grow in many markets.

More homes for sale means buyers may have more choices, less competition, and potentially more negotiating power than we’ve seen in recent years.

At the same time, global events and oil prices are still influencing the bond market, which plays a major role in where mortgage rates go next.

The market is constantly changing, but one thing remains true: having a strategy matters.

Whether you’re buying your first home, investing, refinancing, or simply exploring your options, I’m always happy to help you understand what today’s market means for your goals.

📍Serving Everett, Snohomish County, and all of Washington State

HomeBuying MortgageBroker RealEstateInvesting FirstTimeHomeBuyer MarketUpdate Homeownership EverettCommunity

05/29/2026

☀️ Summer Class Lineup is Here! ☀️

Ashley and I have some exciting classes coming up over the next few months, and whether you’re dreaming about your first investment property, exploring ADUs, or figuring out how to buy a home when you’re self-employed, we’ve got something for you.

One of the things I love about teaching with Ashley is the depth of knowledge she brings to every class. As a local real estate professional, investor, and community advocate, she has a talent for making complex topics approachable and actionable. Together, our goal is to help you understand your options, build a plan, and move forward with confidence.

📅 Upcoming Classes

🏡 ADU Blueprint
June 14 | 12:00 PM to 1:30 PM

💰 First Time Real Estate Investing
June 26 | 5:30 PM to 8:00 PM

🏡 First Time Real Estate Investing
July 12 | 1:30 PM to 4:00 PM

🏘️ ADU Blueprint 2
July 17 | 5:30 PM to 8:00 PM

📊 Self-Employed Buyers Workshop
August 23 | 1:30 PM to 4:00 PM

🚀 Advanced Investing Strategies
August 28 | 5:30 PM to 8:00 PM

Whether you’re looking to create additional income with an ADU, buy your first investment property, navigate homeownership as a business owner, or take your investing strategy to the next level, we’d love to have you join us.

Keep an eye out for more details, registration links, and class highlights coming soon. We can’t wait to learn, connect, and grow with our community this summer!

DM me for details or call 425-314-2219!

05/28/2026

Real estate agents: Are you using 2-1 buydowns strategically in today’s market? 🏡📉

Buydowns can be a powerful tool to help:
✔️ Reduce buyer payment shock
✔️ Improve affordability upfront
✔️ Create stronger listing conversations
✔️ Help hesitant buyers re-enter the market
✔️ Structure creative seller concession strategies

But there are some REALLY important things agents need to understand.

A 2-1 buydown temporarily lowers the buyer’s interest rate during the first two years of the loan:
Year 1 = 2% lower
Year 2 = 1% lower
Year 3+ = full note rate

There are also 1-0 buydown options that temporarily reduce the rate during the first year only.

⚠️ Most importantly:
Borrowers qualify at the FULL note rate, not the temporary buydown payment.

And while refinancing later may make sense, nobody knows for sure what interest rates are going to do in the future. Buyers should always be comfortable with the full payment once the buydown period ends.

This Non-QM buydown program may work for:
✨ Primary residences
✨ Second homes
✨ Full doc and alt doc borrowers
✨ Single family homes
✨ PUDs
✨ Condos
✨ 2-4 unit properties

Not available on DSCR loans.
Purchase transactions only.
Seller/builder paid only.

The best financing strategy is never one-size-fits-all. Sometimes a temporary buydown makes sense. Sometimes a permanent rate buydown creates stronger long-term value.

That’s why strategy matters.

If you want help structuring scenarios, comparing payment options, or brainstorming financing strategies for your buyers and listings, let’s connect. 📩

05/26/2026

What is a 2-1 buydown and does it actually make sense in today’s market? 🏡

A 2-1 buydown is a temporary interest rate reduction that can help lower monthly mortgage payments during the first two years of homeownership.

Example:
Year 1 = rate reduced by 2%
Year 2 = rate reduced by 1%
Year 3+ = full note rate

There are also 1-0 buydown options that reduce the payment during the first year only.

These programs can be especially helpful for buyers who want a little more breathing room upfront while settling into a new home, but it is important to understand that buyers still qualify based on the FULL note rate, not the temporary reduced payment.

And while many people hope to refinance later if rates improve, nobody truly knows what the future holds for mortgage rates. Buyers should always be comfortable with the full payment once the buydown ends.

In some cases, a permanent rate buydown may actually make more sense long term. That’s why strategy matters.

The best mortgage option depends on your goals, timeline, budget, and long term plans.

Questions about:
✨ 2-1 Buydowns
✨ 1-0 Buydowns
✨ VA Loans
✨ High Balance Loans
✨ Seller Concessions
✨ First Time Homebuyers
✨ Everett Real Estate
✨ Snohomish County Homes
✨ Mortgage Strategies
✨ Buying a Home in Washington State

DM me and let’s talk through your options. 📩

05/25/2026

Ever wonder how lenders actually calculate your income when you apply for a mortgage? 🤔

I just uploaded a new YouTube video breaking down W-2 income, how to read your paystub for mortgage qualification, the difference between stable vs. variable income, and what underwriters are really looking for during the approval process.

Whether you’re planning to buy your first home, move up, invest, or just want to better understand the mortgage process, this video will help simplify it all. 🏡

As a local mortgage broker here in Everett, I’m passionate about helping our community feel more confident and informed when it comes to homeownership and financing.

If you have questions about qualifying, income calculations, or getting preapproved, send me a message!

Trying to understand how mortgage lenders calculate W-2 income? In this video, I break down how lenders analyze paystubs, what underwriters are looking for, ...

05/23/2026

Looking for ways to honor Memorial Day weekend here in Snohomish County? 🇺🇸❤️🤍💙

I put together a roundup of local Memorial Day ceremonies, community events, and ways to support our veterans and shared it in my newsletter this week. So many meaningful opportunities to come together as a community and remember those who made the ultimate sacrifice.

If you’d like to be added to my local events and community newsletter list, send me a DM! 📩

🌟 Snohomish County Memorial Day Events & Ceremonies 🌟
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📍 Marysville
🗓 Monday, May 25 | ⏰ 11:00 a.m.
American Legion Post 178 will host a Memorial Day Remembrance Ceremony at Marysville Cemetery, 8801 State Ave.
Mayor John Nehring is scheduled to speak, and refreshments and an open house will follow at the Post home.
🎖 Avenue of Flags
From May 22 through May 25, over 250 casket flags will be displayed daily from 8:00 a.m. to 5:00 p.m. at the cemetery.
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📍 Everett
🗓 Monday, May 25 | ⏰ Event runs 9:00 a.m. to 4:00 p.m.
📍 Evergreen Cemetery & Funeral Home
Evergreen Cemetery hosts one of the area's largest Memorial Day ceremonies and community gatherings.
🇺🇸 The formal Memorial Service and Veteran Pinning begins at 11:00 a.m. and will feature:
🎖 Everett High School NJROTC
🎤 Guest speakers
🎶 Patriotic tributes and remembrance ceremonies
🌭 A free post-ceremony cookout will follow the service.
This is a family-friendly public event honoring those who made the ultimate sacrifice for our country
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📍 Arlington
🎖 Avenue of Flags
The Arlington Cemetery will once again feature its beautiful Avenue of Flags honoring local veterans. Each flagpole includes a plaque displaying a veteran's name.
📍 Arlington Cemetery
20310 67th Ave NE
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📍 Edmonds
🗓 Monday, May 25 | ⏰ 11:00 a.m.
Edmonds Memorial Cemetery
820 15th Street SW
The observance will feature retired Coast Guard Commander Douglas Sheehan, nephew of Medal of Honor recipient Douglas A. Munro. All veteran graves will be marked with white crosses and miniature American flags.
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📍 Lake Stevens
🗓 Monday, May 25 | ⏰ 10:00 a.m.
Lake Stevens War Veterans Memorial at North Cove Park
Hosted by American Legion Post 181, this public ceremony honors local military veterans.
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📍 Lynnwood
🗓 Monday, May 25 | ⏰ 11:00 a.m.
Veterans Park
44th Avenue West & Veteran's Way
The ceremony will include:
🎶 Music
🌺 Wreath laying
🔫 Rifle salute
Hosted by Lynnwood American Legion Post 37 and VFW Post 1040.
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📍 Mill Creek
🗓 Monday, May 25 | ⏰ 9:00 a.m.
Veterans Monument at Library Park
15429 Bothell Everett Highway
This commemorative ceremony includes:
🎤 Remarks from local leaders and veterans
🎶 Mill Creek Chorale
🇺🇸 Mill Creek Police Department Color Guard
🎺 Bugler George Moffat
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📍 Mukilteo
🗓 Monday, May 25 | ⏰ 10:30 a.m. to Noon
Pioneer Cemetery
513 Webster St.
Hosted by the Mukilteo Historical Society, this annual ceremony includes a wreath laying and flag presentation honoring veterans and Mukilteo founders.

05/23/2026

Setting up Memorial Day flags at the Marysville Cemetery this morning with the boys. ❤️🤍💙

So grateful for opportunities like this to serve our community together, especially through the incredible work of the Greater Marysville Tulalip Chamber of Commerce and the amazing volunteers from American Legion Post 178. The boys got up extra early and worked hard carrying and placing those big flags with so much care and pride. 🇺🇸

It was such a meaningful reminder of what Memorial Day is truly about, honoring and remembering the brave men and women who gave their lives in service to our country.

If you are looking for a way to honor our veterans and fallen heroes this Memorial Day weekend, American Legion Post 178 will be holding their Memorial Day Ceremony on Monday at 11:00 AM at the Marysville Cemetery, followed by a luncheon at 1:00 PM at the American Legion Hall. I highly encourage our community to come out and support this important tradition and the incredible veterans who continue to serve our community every day.

Thank you to the Greater Marysville Tulalip Chamber of Commerce and American Legion Post 178 for helping keep these traditions alive for the next generation.