Maddie McCarl, Loan Officer - Bayshore Mortgage Funding LLC

Maddie McCarl, Loan Officer - Bayshore Mortgage Funding LLC Branch Manager - Mortgage Loan Officer- Servicing Oregon, Washington, Idaho, Virginia and Hawaii. NMLS # 1832847

02/18/2026

A general inspection covers the basics but it doesn’t catch everything.

Depending on the house, more than likely it’s worth paying for a few extras — at least that’s how it’s been in my experience.

→Sewer scope if the home is older or has mature trees near the line.

→Radon test if you’re in an area where it’s common.

→Roof inspection if the shingles look like they’ve seen better days.

→Pest inspection if there’s a crawl space or signs of wood damage.

→Well inspection if you’re not on city water.

→Septic inspection if there’s no connection to a municipal sewer system.

Yes, it costs more upfront. You’re probably looking at around $1,275–$2,750 if you needed all of these. But a couple thousand upfront with peace of mind is way better than finding a $36,000 problem after you close.

Budget for it and spend the money now so you’re not spending way more later. It’s a minimal cost for knowing what you’re really getting into.

💌[email protected]
NMLS # 1834767
📍 Bayshore Mortgage Funding | Hermiston, Oregon

2026 is here. The people scrolling past this right now who actually do something different this year won’t be the ones w...
01/02/2026

2026 is here. The people scrolling past this right now who actually do something different this year won’t be the ones waiting for perfect conditions.

They’ll be the ones who make one call. Have one conversation. Get one answer.

Most people know what they want. They just don’t know how to start. So they don’t.

If homeownership is on your list for 2026, starting looks like 15 minutes on the phone understanding what you actually qualify for.

Knowing without immediately having to commit is the difference between thinking about it and doing it—small actionable steps.

Happy New Year! 🍾




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

The house is yours (maybe) and suddenly there’s a thousand things to do and you have no idea what order to do them in or...
11/18/2025

The house is yours (maybe) and suddenly there’s a thousand things to do and you have no idea what order to do them in or what actually matters right now.

If your offer got accepted and now you’re just equal parts excited and completely panicked this roadmap is for you. Your roadmap for the first 72 hours under contract so you don’t miss anything critical.




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

If you keep everything in one checking account…Bills, Starbucks runs, Venmo rent, random transfers, buying a house can h...
11/14/2025

If you keep everything in one checking account…

Bills, Starbucks runs, Venmo rent, random transfers, buying a house can have it’s roadblocks.

To an underwriter, that one checking account looks like chaos. And chaos raises questions, slows down approvals, and sometimes derails them entirely.

Underwriting isn’t just about whether you have money. It’s about whether your financial story looks clean, steady, and intentional.

I had a client once who was financially solid. Good job, steady income, more than enough to close. But her rent came through Venmo with no paper trail or clarity and because of that alone we almost lost the house.

So here’s what I do now. I encourage soon to be homebuyers to open what I call the “boring money” account.

It has one purpose. This account is where your down payment and closing funds sit. Untouched. No swiping, no deposits, no transfers. Just a clean, predictable, and quiet little savings account.

This becomes your built-in insurance policy for closing day when you’re buying a house because it shows discipline, stability, and removes doubt before it starts.

If you want one simple move that prevents 90% of underwriting headaches—this is the move.

If you’re shopping for a home this year, start the account today.

Future-you will thank you for it. 🤝




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

A client was two weeks away from closing when they got a dream job offer. Better title, higher salary, everything they’d...
11/12/2025

A client was two weeks away from closing when they got a dream job offer.

Better title, higher salary, everything they’d been working toward.

They accepted on the spot. Then, underwriting pulled their loan approval the next day.

HERE’S THE THING ABOUT JOB CHANGES UNDER CONTRACT:

In regular life, taking a better job is a no-brainer. You don’t pause on career opportunities to check with your mortgage lender. But during underwriting, your income source just changed, which means everything needs re-verification.

The approval you had? It’s gone because the timeline and documentation requirements just reset.

To save the deal we had 72 hours of pure scrambling. We called the new employer for a detailed offer letter, wrote an explanation to underwriting, and fought for exception approval. Then we had to negotiate with a seller to extend closing by 10 days instead of accepting the backup offer.

The deal closed, but barely. Those 10 days of stress and seller negotiations were completely avoidable.

THE RULE:

Call me before making financial moves under contract—job changes, car purchases, credit applications, large deposits, anything because timing matters. And I can help you figure out when to make the move so it doesn’t blow up your closing.

Sometimes waiting two weeks changes everything. Sometimes we can structure it to work. Sometimes we delay on purpose instead of scrambling last minute.

But I can’t help if I find out when underwriting does.




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

The house is perfect. The kitchen has so much potential. The backyard is exactly what you pictured. You already told you...
11/07/2025

The house is perfect. The kitchen has so much potential. The backyard is exactly what you pictured. You already told your family you’re moving in.

And then the appraisal came back $15K under your offer price.
Now you’re spiraling because some appraiser who spent 20 minutes walking through just decided it’s not worth what you agreed to pay.

Here’s what’s actually happening.

APPRAISERS DON’T CARE ABOUT YOUR VISION.

The good bones and all that potential is irrelevant because appraisers look at:

→Recent comparable sales in the area
→Current condition (not future potential)
→Location and lot size

They’re not valuing what the house could be. They’re valuing what it is today.

A low appraisal isn’t a disaster. It’s actually just market data telling you the price might be inflated. Your lender won’t loan you more than the appraised value because they’re not in the business of funding overpayment.

A low appraisal protects you from buying a $350K house for $365K.

Three options for you when your appraisal comes in low:

→Renegotiate the price - Ask the seller to drop the price to match the appraisal

→Bring extra cash - Cover the gap between appraisal and offer price out of pocket…not highly recommended but it’s an option

→Walk away - Use your appraisal contingency to exit the deal without penalty

Then you might say, “But Maddie, what happens if our appraisal comes in high?”

In that case, congrats! You just gained instant equity without doing anything.

You agreed to pay $350K and it appraised for $365K? That’s $15K in equity the day you close.

High appraisals don’t hurt you. They just mean you negotiated well or got lucky with market timing.

Bottom line is, appraisals aren’t personal. They’re financial.
The appraiser doesn’t care that you cried when you walked through the house or that the neighborhood feels like home.

They care about comparable sales data and current condition.
And honestly? That’s a good thing. Because falling in love with a house doesn’t mean you should overpay for it.




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

The inspection report came back and suddenly the dream house looks like a disaster waiting to happen. Electrical concern...
11/06/2025

The inspection report came back and suddenly the dream house looks like a disaster waiting to happen.

Electrical concerns. Roof wear. Foundation cracks. HVAC nearing end of life. Plumbing that needs attention. And about 40 other things you didn’t notice during the showing.

Now you’re spiraling. Should you walk away? Ask the seller to fix everything? Renegotiate the price? Panic?

None of the above.

Keep in mind no house is perfect. The question is whether the imperfections are dealbreakers or just reality. Inspection reports aren’t meant to scare you out of buying.

They’re meant to give you information so you can negotiate from a position of knowledge instead of emotion. You don’t have to be a contractor to understand what matters.

You just need a framework to separate panic from priority.

Here’s how you can read that report without losing your mind—or the deal.




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

11/05/2025

When you got pre-approved, your loan officer quoted you a rate. That rate is floating, meaning it changes with the market every day until someone actively locks it.

So many first-time buyers don’t realize this. They assume the rate they were quoted is the rate they’re getting. Then rates jump, their payment goes up $200/month, and suddenly the house they could afford is out of reach.

Asking if your rate is locked and when the lock expires are the questions that will protect you once you’re under contract.

If the answer is anything other than “yes, here’s the date”— keep pushing for specifics.




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

When the market gets scary, she doesn’t flinch. 💄🔪  📞 Let’s connect!Mmccarl@bsmfunding.comNMLS ID # 1832847
10/31/2025

When the market gets scary, she doesn’t flinch. 💄🔪 




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

Your agent isn’t being dramatic. That online lender really could kill your offer.Here’s what nobody tells you until your...
10/31/2025

Your agent isn’t being dramatic. That online lender really could kill your offer.

Here’s what nobody tells you until your offer gets rejected:

Listing agents don’t trust online lenders. Not because they’re snobs, but because they’ve been burned by pre-approvals that fall apart during underwriting.

I’ve watched buyers lose houses not because their offer was weak, but because the listing agent didn’t trust their lender. The seller went with a lower offer backed by stronger financing.

Why?

→ Online lenders rubber-stamp pre-approvals without thoroughly checking docs

→ Good luck getting someone on the phone when issues come up

→ They don’t know local contracts or timelines

→ Deals fall through at the last minute because nobody caught problems early

In a competitive market, your pre-approval letter is your credibility. If the listing agent doesn’t trust it, your offer is dead—even at a higher price.

Here’s the other thing:

You can’t compare lenders by rate alone. That 6.2% rate looks great until you see the $8,000 in fees buried in fine print. Meanwhile, the “higher” 6.4% rate costs $3,000 less to close.

When shopping, ask for the Loan Estimate—the full breakdown. Not just the rate. The TOTAL cost to close.

Your agent isn’t steering you to a local lender for kickbacks (that’s illegal). They’re doing it because they know which lenders actually close deals without drama.

A slightly higher rate with a lender who answers the phone and knows their stuff is worth it when you’re competing against five other offers.

In a competitive market, you’re not just buying a mortgage. You’re buying credibility. Choose the lender who makes your offer bulletproof.

📞 Let’s connect!
[email protected]
NMLS ID # 1832847

An outdated house with a $280K mortgage beats an updated house with a $320K mortgage—especially when you hate the update...
10/30/2025

An outdated house with a $280K mortgage beats an updated house with a $320K mortgage—especially when you hate the updates anyway.

Think about that for a second.

The bank doesn’t care if the kitchen is from 1987. They care about structure, safety, and whether you can afford the payment. Which means ugly cosmetics are pure negotiating power.

Granite counters you hate. Gray floors everywhere. Shiplap you didn’t ask for. That “fully updated” house? You’re paying a premium to live in someone else’s vision. And your mortgage reflects that premium for the next 30 years.

Here’s the smarter play:

→ Find a house with good bones (solid roof, working HVAC, decent foundation)

→ Let the cosmetic stuff be ugly—that’s your leverage

→ Negotiate a lower price because it “needs work”

→ Your mortgage payment is lower from day one

→ Update it slowly, YOUR way, as you can afford it

You’d rather have an $1,800/month payment on a house with ugly carpet you can replace than a $2,200/month payment on someone else’s 2019 HGTV choices, right?

Your loan amount stays manageable. Your equity potential stays high. Your home actually feels like YOURS. The math is simple. Lower purchase price = lower loan = lower monthly payment = more money to make it what you want.

Equity you build yourself hits different than equity you overpaid for.




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

There’s a difference between “Holy crap, this is a lot of money” anxiety and “Something is actually wrong here” anxiety....
10/29/2025

There’s a difference between “Holy crap, this is a lot of money” anxiety and “Something is actually wrong here” anxiety.

And nobody teaches you how to tell them apart when you’re buying a home. So you’re standing in a house spending more money than you’ve ever spent on anything, your stomach is doing backflips, and you can’t tell if that’s because:

A) This is literally the biggest financial decision of your life and terror is appropriate, or

B) Your gut is screaming at you to walk away for a reason

And you’re too afraid to ask anyone because what if you sound stupid? Let me be clear: Asking questions doesn’t make you annoying. It makes you smart.

I don’t care if you’ve asked me the same thing three times. I don’t care if you’re texting your realtor at 11pm about the weird smell in the basement.

You’re about to sign your name to a quarter-million-dollar commitment. You SHOULD be asking questions. So how do you know the difference between normal anxiety and a real warning?

→ Normal: “This is a lot of money and I’m scared.”

→ Warning: “I’m ignoring problems because I’m embarrassed to speak up.”

→ Normal: “This house isn’t perfect.”

→ Warning: “This house has issues I’m pretending don’t exist because I’m tired of looking.”

When in doubt, ask. Every. Single. Question.

Ask the inspector. Ask your agent. Ask me (Hi, your loan officer). Ask a contractor. Hell, ask Google and then verify.

Because the only stupid question is the one you don’t ask before signing papers you can’t unsign. The right people WANT you to ask questions.

And if someone makes you feel stupid for protecting your future, that’s not your person.
Don’t confuse “this is scary” with “this is wrong.”

But also don’t ignore “this is wrong” because you’re trying to be polite.
This is your life, your money, YOUR HOME.

Ask the damn questions.




📞 Let’s connect!
[email protected]
NMLS ID # 1832847

Address

338 N First Place
Hermiston, OR
97838

Opening Hours

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

Telephone

+15413143445

Website

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