Mejia Mortgage Team

Mejia Mortgage Team Christopher Mejia (NMLS #1189402)
Edge Home Finance (NMLS #891464) I am a seasoned mortgage broker with over 7 years of experience in the industry.

Throughout my career, I have helped numerous clients achieve their dreams of homeownership by providing expert guidance and tailored mortgage solutions. My specialization lies in VA loans, but I am well-versed in all types of mortgage programs to cater to your unique needs and financial goals. My dedication to serving the community and assisting families in securing their dream homes is what drive

s me each day. As a parent of four wonderful children, I understand the significance of finding the perfect home for your family's comfort and future. When I am not assisting clients in navigating the mortgage market, you can often find me indulging in my favorite pastimes. I have a great passion for fishing, finding solace and excitement in the tranquility of the water and going on camping trips with my family. I believe in fostering lasting relationships with my clients, built on trust, transparency, and exceptional service.

Why did I become a mortgage broker? To have as many tools as possible. Not only for my borrowers, but my realtors AS WEL...
01/11/2026

Why did I become a mortgage broker?

To have as many tools as possible. Not only for my borrowers, but my realtors AS WELL! 👏 It’s incredible the amount of different loans types I have to help save deals. By saving deals, I also protect the livelihood of my realtors! I have the power of 160 lenders by my side.

Don’t limit yourself, it takes a team and a one-stop-shop! 💪

If we don’t work together, I owe you a coffee or two. Let’s talk! 253.620.0195

01/07/2026

🏡 Still sitting on a mortgage rate above 6%?

If you bought or refinanced when rates were higher, you may have options right now to:

✅ Lower your interest rate
✅ Reduce your monthly payment
✅ Skip 1–2 mortgage payments
✅ Get your escrow balance refunded at closing

Even a small rate drop can mean real monthly savings—and extra cash back in your pocket.
Every situation is different, but a quick review can tell us if refinancing makes sense for you right now.

📩 Send me a message or comment “REFI” and I’ll take a look—no pressure, just clarity.

09/24/2025

🚨 Homeowners Alert! 🚨
If your mortgage rate is above 6%, now’s the time to look at refinancing!

I can help you:
✅ Lower your interest rate
✅ Drop your monthly payment
✅ Save money over the life of your loan

Don’t leave money on the table—let’s explore your refinance options today!

09/16/2025

💡 Mortgage Tip of the Day 💡
Refinancing isn’t just about lowering your rate—it can also be a smart way to:
✅ Lower your monthly payment
✅ Access cash for home improvements or debt consolidation
✅ Shorten your loan term and build equity faster

With rates moving, even a 1% drop can make a big difference over the life of your loan. If you haven’t reviewed your mortgage in the last 6–12 months, now’s a great time to see what options are available.

📲 Message me if you’d like me to run the numbers for you—no cost, no obligation.

09/04/2025

🎁💸 Rates Are Dropping – Perfect Timing for the Holidays! 💸🎁

Imagine this:
✅ Lower interest rate
✅ Lower monthly payment
✅ No mortgage payment for the next 2 months
✅ Cash back at closing to put in your pocket

With the holidays around the corner, skipping two months of mortgage payments can give your budget the breathing room it needs—whether it’s gifts, travel, or just peace of mind. On top of that, you could even walk away from closing with extra cash back!

If you’ve been waiting for the right time to refinance, this is it. Let’s make your money work harder for you this season.

08/30/2025

📉 Rates Have Dropped – Is It Time to Refinance?

If you bought your home in the last few years, chances are your rate is higher than what’s available today. A refinance could mean:

✅ Lower monthly payments
✅ Thousands saved over the life of your loan
✅ The chance to pay off debt or fund home improvements with your equity

Even a 1% lower rate can put real money back in your pocket every single month.

💡 Example: On a $400,000 mortgage, dropping just 1% could save you around $250–$300 per month – that’s over $3,000 per year!

📲 Let’s run the numbers for you and see if refinancing makes sense right now. No obligation, just clarity.

08/26/2025

🏡 Thinking About Buying a Home? Let’s Talk Mortgages!

Buying a home is one of the biggest financial moves you’ll ever make—and the right mortgage can make all the difference.

✨ Did you know? Every borrower’s situation is unique. Your income, credit score, and down payment all play a role in finding the right loan program that fits your goals.

Whether you’re a first-time buyer or looking to upgrade your current home, I can help you:
✅ Understand your true buying power
✅ Explore loan options that fit your budget
✅ Get pre-approved so you can shop with confidence

📲 Ready to see what you qualify for? Let’s connect today and put together a clear plan for your homeownership journey.

08/21/2025

🏡 What is an Appraisal?

When buying or refinancing a home, one key step in the process is the appraisal.

👉 An appraisal is a professional, unbiased opinion of a home’s value, completed by a licensed appraiser.
👉 Lenders require it to make sure the property is worth the amount of money being borrowed.
👉 The appraiser looks at things like the home’s size, condition, location, and recent sales of similar homes in the area.

🔑 Why it matters:
• Protects you (and the lender) from overpaying for a property.
• Helps ensure fair market value is established.
• Can impact how much you’re able to borrow.

📲 If you’re thinking about buying or refinancing, I’ll guide you through the process and explain each step—so nothing feels like a mystery.

08/18/2025

💰 What is Earnest Money? 💰

When you’re buying a home, you may hear the term “earnest money.” Think of it as a good faith deposit.

➡️ It’s money you put down when your offer is accepted to show the seller you’re serious about buying their home.
➡️ Typically, it’s 1–3% of the purchase price (varies by market).
➡️ That money is then held in escrow and later applied to your down payment or closing costs.

✅ If the deal goes through → it’s credited back to you.
❌ If you back out without a valid reason → the seller may keep it.

💡 Bottom line: Earnest money protects sellers while showing buyers are committed, making it a key step in getting your dream home!

08/15/2025

💡 Do I Really Need 20% Down to Buy a Home?
Short answer: Nope!

Many buyers think they need to save up 20% before they can purchase a home—but that’s just not the case. There are great programs available with much lower down payments, and some even offer 0% down for qualified buyers (like VA and USDA loans).

Example on a $400,000 home:
• 20% down = $80,000
• 3% down = $12,000
• 0% down = $0 out of pocket for the down payment

📌 Keep in mind—you’ll still want to plan for closing costs, which can vary depending on your loan and location.

✅ My job is to match you with the best program for your budget and guide you through the process so you know exactly what to expect from start to finish.

08/14/2025

💳 What Credit Score Do You Need to Buy a Home?

One of the most common questions I hear is: “What credit score do I need to purchase a home?”
The answer depends on the type of loan you choose — and the good news is, you might not need as high of a score as you think.

✅ FHA Loan: Minimum 580 for as little as 3.5% down (some lenders go as low as 500 with 10% down)
✅ VA Loan: No set minimum by the VA — many lenders approve with scores as low as 580–620
✅ Conventional Loan: Usually 620 or higher, but a stronger score can mean better rates and lower costs
✅ USDA Loan: Often 640+ for streamlined approval, but can be approved lower with manual underwriting

💡 Tip: The higher your credit score, the more favorable your interest rate and terms. Even improving your score by 20–30 points before applying could save you thousands over the life of your loan.

08/13/2025

How much house can I actually afford? 🏡

💡 The “right” number isn’t one-size-fits-all — it depends on your income, debts, and what you’re comfortable paying each month.

For example:
If your household income is $7,000/month and you have about $500/month in debts (car loan, credit cards, etc.), a good rule of thumb is keeping your total mortgage payment (principal, interest, taxes, insurance) around 28–31% of your income.

That would put you in the range of $1,960–$2,170/month, which could translate to roughly a $350,000–$375,000 home — depending on your interest rate, taxes, and down payment.

✅ The best part? I can run your exact numbers in minutes and give you a clear price range before you start house hunting — no guesswork, no surprises.

Address

Graham, WA
98338

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+12536200195

Website

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