Mitchell Alvarez NMLS# 1946494

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United States
Kennewick, WA
Mitchell Alvarez NMLS# 1946494

Hi there! I am a Sr. Mortgage Broker at Vision Mortgage NMLS 70495. I specialize in Conventional, VA, Jumbo, and First Time Homebuyer home loan financing in WA.

Give me a call, send a message, or visit my website today to find out how I can help you!

05/21/2026

🏡 Shopping for a home loan? Ask these 3 questions FIRST 👇

💰 How do you get paid?
(Yes… this matters 👀)

🔥 What makes you different from other lenders?
Competitive rates? Incentives? Faster closings? Better service?

📉 What’s the APR?
Don’t just look at the rate. APR shows the bigger picture 🧠

04/23/2026

🚩Avoid these Red Flags when Applying for Mortgage!🚩

If your income, assets, or debts aren’t fully verified…
👉 your deal can fall apart
👉 your offer can get rejected
👉 or worse… you get approved for something you can’t actually close on

A REAL pre-approval means:
✔️ Income fully reviewed
✔️ Assets sourced
✔️ Credit analyzed correctly
✔️ No surprises in underwriting

That’s how you win in this market. 🏡

Not with a “quick letter”…
but with a pre-approval that actually holds weight when it matters.

04/02/2026

Everyone loves the rate…
until it gets verified 👀💥

That “rate” you saw online?
It’s not always the rate you’ll actually get.

Here’s what changes EVERYTHING:
👉 Credit score adjustments
👉 Hidden fees + points
👉 Debt-to-income
👉 Property type

By the time it’s fully verified…
the deal can look VERY different 😳

That’s why smart buyers don’t just shop rates,
they verify the entire loan upfront ✔️

If your lender isn’t breaking this down clearly…
you might be walking into a surprise 💸

Want me to review a quote you got online?
I’ll tell you what’s real vs. marketing, no pressure. DM me “VERIFY” 📩

03/23/2026

Everyone’s obsessed with the rate… but smart buyers focus on the payment.

The rate gets all the attention, headlines, conversations, stress. But your monthly payment? That’s what actually shapes your lifestyle.

That’s what determines what you can afford, how you live, and how comfortable you feel every single month.

Don’t get distracted by the rate alone.
Focus on the number that really matters.

03/13/2026

What the heck is going on with Mortgage Rates right Now?🆘

Mortgage rates don’t just move because of housing news, global events play a role too.

Right now, rising oil prices and growing geopolitical tensions are creating uncertainty in the markets. When that happens, investors shift money around, which can cause volatility in the bond market… and that’s one of the biggest drivers of mortgage rates.

The result? Rates can move quickly in either direction.

It’s a good reminder that the mortgage market is tied to much bigger economic forces happening around the world. 🌎

03/11/2026

Buying your first home might be easier than you think.👀

A lot of buyers are surprised to learn:

• You don’t always need 20% down 🤩
• Seller credits can sometimes help cover closing costs 🤑
• You may qualify with a credit score in the 600s 🙌

There are more options available than most people realize✅

03/03/2026

You DON’T need 20% down to buy a home🏡

You could buy with just 3% down instead✅

Yes… seriously! Here’s how!

If you’ve been stuck renting because you thought you needed a massive savings account…this is your sign🧐

There are first-time buyer programs designed to help you get in the game sooner!

And the best part?
You might qualify sooner than you think🙌

Stop waiting. Start building equity📈💵

02/20/2026

If you bought your home before 2022… this might surprise you. 👀

Read Caption Below:

There’s a good chance you’re sitting on way more equity than you think.

And that equity?
It could be:

• Your next down payment
• Your move-up strategy
• The key to keeping your current home as a rental
• Or your leverage in today’s market

Most homeowners don’t realize how strong their position actually is.

They just assume:
“Rates are higher, so I’m stuck.”

That’s not how we make decisions.
We run the numbers. 📊

Before you decide you can’t move…
Let’s see what your equity is really worth.

02/18/2026

The best compliment I can get?
A client who felt confident, informed, and taken care of. 🤝

Buying or refinancing isn’t just about rates.
It’s about having the right game plan.

As a mortgage broker, I shop multiple lenders so you don’t have to.
More options. Better strategy. Less stress. 💰

If you’re thinking about buying, refinancing, or just want to see what’s possible, let’s build a plan.

📞 Call or DM me to get started.

Mitchell Alvarez
Sr. Mortgage Broker
NMLS 1946494
Vision Mortgage 70495
(509) 736-2020
[email protected]

02/18/2026

Scared you’ll never be able to afford a home? Watch this video!

You don’t need 20% down.
You don’t need perfect credit.
You don’t need to have it all figured out.

You just need the right plan. 🏡

First-time buyers, before you assume you don’t qualify, let’s talk.

Address

7301 W. DESCHUTES Avenue
Kennewick, WA

Telephone

+15097362020

Website

https://www.2020loans.com/mitch

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