The Howard Team at Fairway Home Mortgage

The Howard Team at Fairway Home Mortgage The Howard Team at Fairway Home Mortgage #2289 are Mortgage Advisors.

Walter Howard NMLS 85438; Emily Howard; NMLS 1633389 CMPS Certified; Equal Housing Opportunity Emily Howard NMLS # 1633389- AK, AL, AZ (1027987), CA, CO (100529097), FL (95562), IA, ID (2081633389), IL (031.0078408), IN (60485), MN, MO, MT, NM, NV (75350), OK (26984), OR, SC, TX, VA (65008VA), WA

09/10/2026

Big change happening in mortgage credit scoring šŸ‘€

VantageScore 4.0 is entering the mortgage world, which means lenders may have another way to evaluate a borrowerā€™s credit beyond the traditional FICO scores weā€™ve used for years.

Why does that matter?

VantageScore 4.0 considers things like trended credit data and may be able to score some borrowers who have limited traditional credit history.

BUT ā€” this does not mean every mortgage lender is using VantageScore 4.0 today.

Implementation is still evolving, and not all lenders, loan programs or investors currently allow it. So whether it can actually be used on your mortgage will depend on the lender and the specific loan.

More options in credit scoring could mean more opportunities for borrowers ā€” but the details matter.

Save this one. Mortgage credit scoring is changing. šŸ‘€šŸ”

09/10/2026

First-time homebuyers: your fixed mortgage payment can still go up. šŸ˜³

And your interest rate doesnā€™t have to change for it to happen.

Escrow shortages, property taxes and homeowners insurance are something you NEED to understand before buying a homeā€”not after your payment changes.

Save this before you buy.

Getting preapproved is about more than finding out how much you may be able to borrow. šŸ” Itā€™s an opportunity to explore ...
09/09/2026

Getting preapproved is about more than finding out how much you may be able to borrow. šŸ” Itā€™s an opportunity to explore your financing options, compare whatā€™s available, and choose a mortgage that makes sense for your budget and long-term goals. As your loan officer, Iā€™m here to walk you through the numbers, answer your questions, and help you understand your options so you can make an informed decision. If buying a home is on your horizon, send me a message and letā€™s get your financing plan in place!

09/08/2026

Mortgage bonds are getting their ass kicked. Oil is climbing. The jobs report was ridiculous. And now weā€™re talking about the possibility of another Fed hike.
Soā€¦ Hiiii Monday. šŸ˜‚
But hereā€™s the thing: weā€™ve been navigating some version of this market for FOUR YEARS now.
People are still buying houses. People still need to consolidate debt, move, divorce, relocate, downsize, upsize, help their kids buy homes and generally get on with their lives.
Our job isnā€™t to sit around waiting for the perfect market.
Itā€™s to figure out how to make the market we ACTUALLY have work for you.
Fridayā€™s CPI report is a big one. Until then, Iā€™ll watch the dumpster fire. You go live your life. šŸ˜‚

09/08/2026

Relax.

Are you a DIYer or a hire-someone-else-to-doer? Either way, share with me which room you've been dreaming of remodeling....
09/08/2026

Are you a DIYer or a hire-someone-else-to-doer? Either way, share with me which room you've been dreaming of remodeling.

09/07/2026

Still waitingā€¦ šŸ¢

Meanwhile, life, home prices, equity, and opportunity keep moving.

You donā€™t need 3% to make a smart move. You need the numbers to make sense for YOU.

09/06/2026

Tacoma days with Frank.

Waterfront walks, good food, and nowhere else we need to be.

This is the part of home that matters. And yes, you want to buy a home in Tacoma? We have a mortgage for that.

PNWLiving

09/06/2026

Nobody told us the 3% mortgage came with a lifetime commitment. šŸ¦­

Need another bedroom? Figure it out.

Want to downsize? Absolutely not.

Job moved? Better learn to commute.

Marriage falling apart? Work it out.

At this point, the house isnā€™t the forever home.

The mortgage is. šŸ˜‚

Address

32129 Weyerhaeuser Way S STE 204, Federal Way
Federal Way, WA
98003

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 8am - 7pm
Sunday 8am - 7pm

Website

, ,

Alerts

Be the first to know and let us send you an email when The Howard Team at Fairway Home Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Howard Team at Fairway Home Mortgage:

Shortcuts

Share

Category