Cami Anthony, Loan Advisor

Cami Anthony, Loan Advisor As a mortgage loan originator, I work hard to shop and compare competitive home loan options. Each office is independently owned, operated, and licensed.

Welcome to Motto Mortgage Collective, your trusted mortgage brokerage in Everett. We specialize in personalized home loan solutions and connect you with a wide network of wholesalers to ensure a transparent and efficient financing experience. Whether you're a first-time homebuyer or looking to refinance, our dedicated team will help tailor mortgage options to fit your unique needs. We will guide you every step of the way to ensure a smooth journey to homeownership. Equal Housing Opportunity.

09/01/2026

🏡 September Mortgage Market Update

Mortgage rates are starting September under a little bit of pressure, but we’re still within the range we’ve been seeing over the past several months.

One thing markets are watching right now is the rising cost of transporting oil from the Middle East. Higher energy and transportation costs can contribute to inflation, and inflation is one of the biggest factors influencing mortgage rates.

Does that mean rates are about to make a major move? Not necessarily.

Markets change daily, and trying to perfectly time mortgage rates can be difficult. For homebuyers, it’s often more useful to focus on the things you can control:

✔️ Your monthly mortgage payment
✔️ Your overall homebuying budget
✔️ Your down payment and closing costs
✔️ Your financing strategy
✔️ Whether the home and payment make sense for your goals

If you’re thinking about buying a home in Snohomish County or anywhere in Washington, give me a call. We can run the numbers and see what today’s mortgage market looks like for you.

08/25/2026

🏡 Ready to take your real estate investing knowledge to the next level?

This Friday, August 28 at 5:30 PM, I’m co-hosting our Advanced Real Estate Investing Class with the absolutely incredible Ashley Bolden at Keller Williams Everett!

Ashley is a local Everett real estate expert who truly knows her stuff, especially when it comes to understanding the local market, identifying opportunities, and helping investors think strategically about their next move.

I’ll be bringing the financing side of the conversation, including different loan strategies and options investors can use as they build and grow their portfolios.

Whether you already own investment property or you’re ready to get more strategic about what comes next, this class is designed to give you practical information you can actually use.

📅 Friday, August 28
⏰ 5:30 PM
📍 Keller Williams Everett

Want to join us? DM me or text me at 425-314-2229 and I’ll get you registered!

Come ready to learn, ask questions, and talk real estate investing with us. 🏠📈

08/24/2026

Mortgage rates are starting the week pretty much where they left off.

The economy continues to show signs of strength, but so far that growth hasn’t created a major new increase in inflation. That’s helping keep the bond market relatively calm and mortgage rates fairly steady.

Right now, the national average for a 30-year fixed mortgage is around 6.78%, according to Mortgage News Daily.

So what happens next?

Investors are continuing to watch inflation, the job market, and the Federal Reserve. If the economy starts to slow or we see weaker job growth without another jump in inflation, that could create some room for mortgage rates to improve.

For now, rates appear to be staying within a fairly narrow range, but as we’ve seen this year, that can change quickly.

If you’re thinking about buying a home, let’s look at your payment, your goals, and the options available to you instead of trying to perfectly time the market.

Give me a call, and let’s build a plan. (425) 314-2219

Motto Mortgage Collective Happy Hour tomorrow! Come by and have a drink on us! 😊 Hope to see you there!
08/10/2026

Motto Mortgage Collective Happy Hour tomorrow! Come by and have a drink on us! 😊 Hope to see you there!

08/10/2026

📊 Monday Mortgage Market Update

We’re getting mixed signals for mortgage rates this week.

📉 The July jobs report was much weaker than expected, which can be good news for rates.

⛽ But oil prices are climbing again amid continued uncertainty in the Middle East. Higher energy costs can add to inflation, which can put pressure on mortgage rates.

Now, all eyes turn to this week’s inflation reports. These reports will give us a better idea of whether prices are continuing to cool and could have a meaningful impact on where mortgage rates head next.

The takeaway: don’t be surprised if we see some rate movement this week.

If you’re thinking about buying a home or refinancing, don’t try to perfectly predict the market. Let’s look at your payment, your buying power, and the options available to you today and build a strategy from there.

📞 Have questions about today’s mortgage market? Give me a call. 425-314-2219

08/06/2026

We're here till 6:30pm, come say hi!

08/03/2026

🏡 Monday Mortgage Market Update

Mortgage rates remain volatile as markets continue to react to inflation, oil prices, and global events.

One positive development this week is that oil prices moved back below $80 per barrel after news that additional military strikes in the Middle East had been called off.

Why does that matter?

⛽ Lower oil prices can help ease inflation.
📉 Lower inflation can create a more favorable environment for mortgage rates over time.

While no one can predict exactly where rates will go next, this is a good reminder that mortgage rates are influenced by much more than just the housing market.

The best strategy isn’t trying to perfectly time rates—it’s understanding your options and having a plan that fits your financial goals.

📞 Have questions about today’s rates or your buying power? I’d be happy to help.

08/02/2026

💰 Would you rather save about $30 per month…or closer to $140 per month?

If a seller is offering a $5,000 concession, how you use it can make a significant difference.

A $5,000 purchase price reduction may lower your monthly payment by only about $30–$35, depending on your financing.

Using that same $5,000 toward a permanent interest rate buydown could potentially reduce your payment by approximately $130–$150 per month, depending on current rates and your loan scenario.

That’s why it’s so important to look beyond the purchase price and compare all of your financing options before writing an offer.

Every buyer’s goals are different, and the right strategy depends on your financial situation, loan program, and how long you plan to own the home.

Want to see which option makes the most sense for you? Let’s compare the numbers.



The payment examples shown are estimates for educational purposes only and should not be considered a commitment to lend or a guarantee of savings. Interest rates, pricing, buydown costs, monthly payments, and loan terms fluctuate daily and vary based on lender, loan program, borrower qualifications, credit profile, down payment, loan amount, and market conditions. Consult your mortgage professional for current pricing and personalized payment estimates.

07/29/2026

📊 Self-employed? Your tax return may not tell the whole story.

One of the biggest misconceptions I hear is, “I don’t make enough on paper to qualify for a mortgage.”

The truth is, lenders don’t simply look at the income on the front page of your tax return.

Items like depreciation and depletion are non-cash deductions that may be added back when calculating qualifying income for a conventional mortgage. Every situation is different, but it’s one of the reasons self-employed income can be very different from taxable income.

That’s exactly why Ashley Bolden of KW Everett and I are hosting a workshop designed specifically for self-employed buyers.

📅 Self-Employed Homebuyer Workshop
🗓️ Saturday, August 23
🕜 1:30–4:00 PM
📍 Keller Williams Everett

We’ll cover:
✔️ How lenders calculate self-employed income
✔️ Common mistakes that can delay approval
✔️ Ways to prepare before you apply
✔️ Tips to put yourself in the strongest position to buy

Whether you’re self-employed full-time, own a small business, or have side income, this class will help you better understand the mortgage process.

Send me a message if you’d like to reserve your spot!

TaxReturns HomeBuying FirstTimeHomeBuyer MortgageEducation KWEverett EverettWA SnohomishCounty WashingtonRealEstate AshleyBolden MottoMortgageCollective

Address

1721 Hewitt Avenue Suite 302
Everett, WA
98201

Telephone

+14254603869

Website

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