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Nathan Westerlund NMLS 273523 Barrett Financial Group NMLS 181106

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Nathan Westerlund NMLS 273523 Barrett Financial Group NMLS 181106

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10/05/2026

🏡 Smart planning. Great teamwork.

🔑Westerlund Lending helped our buyer get cleared to close, sign, and fund this Friday with one of our great lending partners, UWM—and we did it in record time!

🙌Working alongside the real estate team, we planned for a $25,000 seller credit to help make this purchase more affordable.

A HUGE shoutout to the Realtors—their experience negotiating and navigating the home inspection period helped bring that plan across the finish line. 👏That teamwork allowed the buyer to use a 2-1 temporary buydown, with payments based on:

✅ Year 1: 4.625%

✅ Year 2: 5.625%

✅ Year 3 through the remaining loan term: 6.625%The result?

More than $600 a month in first-year mortgage payment savings compared with the payment at the full note rate!

💰We also used qualifying rental income from the buyer’s departing residence to help them qualify for their next home. Sometimes moving forward takes a little creativity, careful planning, and a team that knows how to put the pieces together.This is what I love about lending: helping clients see their options, building a strategy, and delivering when it counts.

Thinking about buying while keeping your current home? Let’s talk through the possibilities.📩 DM me or email [email protected]🌐 westerlundlending.com Nathan Westerlund | NMLS Lending | Powered by Barrett Financial

GroupTemporary buydown lowers payments for the first two years; the fixed note rate remains 6.625%. Savings reflect this buyer’s loan. Qualification and program requirements apply.

09/15/2026

In this market, timing and experience matter. 🔐🏡

Last week, I advised my clients to lock their interest rate before the market moved against us. With inflation concerns building—and CPI and PPI reports creating additional upward pressure on mortgage rates—that decision helped protect their financing and avoid unnecessary payment increases.

But securing the rate was only one part of the job.

We also helped our clients confidently navigate the inspection period, addressed the details along the way, and then made the financing process as easy as possible—resulting in a SAME-DAY LOAN APPROVAL!

A higher-rate environment doesn’t mean you should sit on the sidelines. It means you need an experienced mortgage professional who watches the market, communicates honestly, and helps you make smart decisions at the right time.

That’s the Westerlund Lending difference: proactive advice, clear communication, and a smoother path to closing.

📲 DM me to discuss your purchase or refinance options
📧 [email protected]
🌐 WesterlundLending.com

Nathan Westerlund | NMLS #273523
Licensed in Oregon, Washington, California, Arizona and Colorado
Westerlund Lending | Powered by Barrett Financial Group

08/28/2026

🔥 FUNDED FRIDAY: Turning Equity Into Opportunity! 🔥

We just funded a DSCR refinance on an investment property, helping our client strategically use their equity to:

✅ Pay off an IRS obligation
✅ Eliminate other outstanding debts
✅ Set aside additional funds for a future investment opportunity
✅ Create flexibility for remodeling and property improvements

The advantage of a DSCR loan is that qualification is primarily based on the investment property’s rental income and cash flow—not the borrower’s traditional employment income.

🔥 NO personal income or employment documents needed! 🔥

Instead of allowing equity to sit idle, this investor put it to work—taking care of existing obligations while creating capital for future opportunities.

Whether your goal is debt consolidation, remodeling, expanding your rental portfolio, or accessing investment capital, a DSCR refinance could be a powerful solution.

Your investment property may be able to finance your next move. Let’s talk strategy!

📲 Nathan Westerlund
🏡 Westerlund Lending | Powered by Barrett Financial Group
NMLS #273523
Licensed in Oregon, Washington, California, Arizona and Colorado

Loan approval is subject to rental-property cash flow, credit, equity, appraisal, asset, and investor requirements.

08/24/2026

🏡 ONE LENDER SAID NO. WE MAY SAY YES.

A buyer doesn’t always need perfect credit or a large down payment—they need the right loan program and a lender who understands how to use it.

At Westerlund Lending, government loans are one of our specialties:

🔷 FHA LOANS
• Down payments as low as 3.5%
• Flexible credit and qualification guidelines
• Purchase, cash-out and streamline refinance options

🪖 VA LOANS
• No down payment required by the VA for eligible borrowers
• No monthly private mortgage insurance
• Competitive financing for Veterans and service members
• Purchase, cash-out and VA IRRRL options

🌲 USDA LOANS
• Up to 100% financing for qualified borrowers
• No down payment for eligible properties
• Available in many communities outside major urban centers

Through our wholesale lending network, we can shop among multiple investors for competitive rates and terms. We also work with government-loan investors that may offer fewer additional overlays, flexible underwriting options and fast closing timelines.

📣 REALTORS: Before financing kills the deal, call me. A second review, different investor or properly structured government loan could provide another path to closing.

📣 HOMEBUYERS: If you’ve been told you don’t qualify, don’t assume the door is permanently closed. Let’s take another look.

Government loans done right—competitive, flexible and built to close. 🔑

Nathan Westerlund
Westerlund Lending
Powered by Barrett Financial Group
📞 (503) 348-2102
📧 [email protected]
NMLS #273523

Licensed in Oregon, Washington, California, Arizona and Colorado.

All loans are subject to borrower qualification, property eligibility, credit approval, investor guidelines and program availability. Rates and terms are subject to change.

08/18/2026

🏡 LIFESTYLE LENDING: YOUR FUTURE LAKE HOUSE AWAITS! 🌊☀️

Imagine mornings on the water, afternoons exploring Washington w**e country, and evenings gathered around the fire with family and friends. That’s the Lake Chelan lifestyle—and Westerlund Lending just helped make it a reality!

We secured excellent second-home financing and a quick closing for this beautiful Lake Chelan retreat. Because sometimes you aren’t simply purchasing another house—you’re creating a home base for future vacations, celebrations, and memories that will last for generations.

A second home can also offer another potential advantage: ownership of a tangible, long-term asset that may help preserve wealth during inflationary times.

✅ A place to enjoy today
✅ Memories for years to come
✅ A valuable long-term asset

Now that’s what we call a double win!

If a lake house, mountain getaway, beach retreat, or desert escape is part of your future, let Westerlund Lending help you turn that lifestyle dream into an address.

📲 Contact Nathan Westerlund
🏡 Westerlund Lending
NMLS #273523

Licensed in Oregon, Washington, California, Arizona, and Colorado

08/07/2026

🏔️ Another Lifestyle Dream Closed in Colorado 🏡

“I’m talkin’ about a little place called… Gypsum… where the b**r flows like w**e.” 🍻
Yeah, we went there—and honestly… not far off.

Just wrapped up this beautiful new construction home in Gypsum, Colorado, right outside Aspen. This one checks all the boxes: mountain views, modern design, and that peaceful “get away but still be close to everything” lifestyle people are chasing.

Gypsum is quietly becoming one of Colorado’s hidden gems—growing community, new builds popping up, and still far more attainable than Aspen prices. It’s where smart buyers are planting roots before the secret gets out.

On this one, we navigated strong financing terms to help turn a vision into reality—because getting the home is one thing… getting the right loan is what makes it a win.

That’s what we do at Westerlund Lending—
not just loans… Lifestyle Lending.

If you’re looking at:
• Primary homes
• Second homes (hello mountain getaway)
• Investment properties
• Or refinancing in Colorado

I’ve got you covered—I’m licensed in Colorado and ready to help you play the game the right way.

📲 Let’s build your next move.

📞 Nathan Westerlund
🏢 Westerlund Lending
📱 Call/Text: 503-348-2102
📧 Email: [email protected]
🌐 www.westerlundlending.com
🆔 NMLS #273523

07/17/2026

🏡🎉 Another Great Week at Westerlund Lending! 🎉🏡

This week, we had the privilege of helping two homeowners unlock the equity they've worked so hard to build through Home Equity Lines of Credit (HELOCs).

One story really stood out...

Our client was carrying high-interest personal debt while also wanting to renovate their home. Instead of juggling expensive monthly payments, we helped them leverage their home's equity to:

✅ Pay off high-interest debt
✅ Access additional funds for a home renovation project
✅ Lower their overall monthly payment
✅ Improve their financial flexibility—all with one simple solution.

Your home isn't just where you live—it's one of your greatest financial assets. Whether you're looking to consolidate debt, remodel your home, pay for college, or simply create a financial safety net, a HELOC may be a smart option.

At Westerlund Lending, we make the process simple, fast, and personalized. Through our partnership with Barrett Financial Group, we have access to innovative HELOC solutions that can often close quickly with minimal documentation and, in many cases, no appraisal required.

If you've been wondering whether your home's equity could be working harder for you, let's have a conversation.

📞 Nathan Westerlund
🏠 Westerlund Lending | Barrett Financial Group
📍 Licensed in Oregon | Washington | California | Arizona | Colorado
💬 Message me today for a complimentary equity review!

07/13/2026

🏡 Housing Market Update from Westerlund Lending

The latest MBS Highway National Housing Index shows buyer activity and home price growth continued to cool in July. While every market is different, many buyers are beginning to see more opportunities as competition eases.

❓What does this mean?

It could mean now is a great time to buy. As the market slows, buyers may have greater negotiating power, including the opportunity to:
✅ Purchase at a more favorable price
✅ Negotiate seller-paid closing costs and prepaid expenses
✅ Ask for seller-funded interest rate buydowns to lower monthly payments

A changing market doesn't always mean a bad market—it often means more opportunity for prepared buyers.

If you're thinking about buying or simply want to understand what this means in your local market, I'd be happy to help.

Nathan Westerlund
Westerlund Lending | Barrett Financial Group
NMLS #273523

06/30/2026

🎆 HOME OF THE FREE... BECAUSE OF THE BRAVE! 🎆

This closing is one we'll remember for a long time!

Just in time for the 4th of July, we had the honor of helping an amazing Veteran become the owner of a beautiful brand-new construction home in Oregon City... and to make it even more memorable...

🎂 They signed their final loan documents on their Birthday! 🎉

There's something incredibly fitting about celebrating a birthday, achieving homeownership, and doing it just before celebrating our nation's independence.

A huge thank you to my outstanding real estate partner Lane Elmer with Real Estate Network Group for another fantastic team effort. Working alongside great professionals who truly care about their clients always makes the process smoother and more enjoyable.

🏡 Congratulations as well to TA Liesy Homes for building another beautiful new home with quality craftsmanship right here in our local community.

At Westerlund Lending, moments like these are exactly why I love what I do—helping families, Veterans, and homebuyers reach the finish line with confidence.

As we celebrate Independence Day, I'd also like to thank all of the men and women who have served our country. Your sacrifice allows all of us to pursue the American Dream every day.

❤️🤍💙 Happy 4th of July! Stay safe, enjoy your family and friends, and celebrate the freedoms we are so fortunate to have.

If you're thinking about purchasing a home—whether it's your first home, a new construction, or you're eligible for a VA loan—I'd be honored to help.

📍 Licensed in Oregon | Washington | California | Arizona | Colorado

🇺🇸 Helping Heroes. Building Futures. One Home at a Time.

06/18/2026

🏡🎉 ANOTHER HOMEOWNER WIN FOR WESTERLUND LENDING! 🎉🏡

Just completed a Home Equity Line of Credit (HELOC) for homeowners in beautiful Colorado! ⛰️

What made this one especially exciting?

✅ Funded in just 7 business days

✅ NO appraisal required

✅ NO income documents uploaded

✅ Simple, hassle-free process

✅ Powered by cutting-edge AI technology

Our clients were initially working with a local credit union, but the process quickly hit a roadblock when the automated value came in approximately $40,000 lower than expected, forcing them into a lengthy appraisal process.

Instead of waiting weeks for underwriting approvals and appraisals, they turned to Westerlund Lending and our partnership with Barrett Financial Group and NFTYDoor. Through their innovative AI-driven HELOC platform, we were able to deliver a faster, smoother solution and get funds available before the other lender could even complete underwriting. 🚀

Today's homeowners have built significant equity, and accessing that equity shouldn't require mountains of paperwork, endless conditions, or weeks of waiting. NFTYDoor's digital HELOC platform uses AI-driven underwriting and valuation technology to streamline the process and dramatically reduce turnaround times.

Whether you're looking to:

🏠 Remodel your home

💳 Consolidate debt

🎓 Pay for education expenses

💰 Access cash for investments

🏖️ Purchase a second home

Westerlund Lending can help!

📍 Licensed in:

✔ Oregon

✔ Washington

✔ California

✔ Colorado

✔ Arizona

And yes, we can help with:

✅ Primary Residences

✅ Second Homes

✅ Investment Properties

If you've been told "no," stuck waiting on an appraisal, or simply want to explore your options, let's have a conversation.

📞 Nathan Westerlund 503-348-2102

💻 [email protected]

Westerlund Lending

NMLS #273523

Address

Happy Valley, OR
97086

Opening Hours

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

Telephone

+15033482102

Website

http://www.westerlundlending.com/

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