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Team Vann- OriginPoint- VP of Mortgage Lending

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Team Vann- OriginPoint- VP of Mortgage Lending

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Jimmy and Andrea are a dynamic husband and wife duo with over 40 years of combined Mortgage experience. NMLS # 126296
NMLS # 1383042
OP NMLS # 2185899

10/12/2026

Being ready isn’t a feeling. It’s a choice. 🤍

Sometimes the biggest moves in life happen before we ever feel ready.

We know firsthand what it’s like to leave behind what’s familiar, step outside your comfort zone, and start a new chapter. It’s exciting, overwhelming, a little (lot) scary… and so worth it.

Whether you’re buying your first home, moving across the country, or simply ready for something new, you don’t have to have it all figured out before taking that first step.

We’ve lived it. We get it. And we’d love to help you navigate what comes next.

Because sometimes the best things in life start with choosing to take the leap. 🏡✨

10/06/2026

Stocks at record highs while the 10-year Treasury is hitting levels we haven’t seen in decades… so what does history tell us? 👀

The short version: high yields don’t automatically mean the market is about to crash.

In past cycles, stocks have continued climbing for a while even as rates moved higher — especially when investors believed growth and earnings could keep carrying the market.

But eventually, higher borrowing costs can start to show up in the economy.

And that’s where things get interesting for mortgage rates.

If investors get nervous and start moving money into Treasuries, the 10-year can fall — and that can create some relief for mortgage pricing.

Not a prediction. Just a reminder that sometimes the thing that looks bad for stocks can actually be good news for rates.

If you’re buying, selling, or thinking about refinancing, the headline matters less than having the right strategy for the market you’re actually in.

DM us “RATES” and we’re happy to talk through it.

10/05/2026

Back from a bucket list trip with our kids - What NYC reminded us about life, family… and even business. 🗽❤️

Life moves fast. Really fast. And nowhere makes you feel that quite like New York City.

A few things we came home remembering:

• Be present. The best moments usually aren’t the perfectly planned ones.
• Experiences > stuff. We’ll remember walking miles together, laughing on the subway, late-night food stops and seeing the city through our kids’ eyes way longer than anything we bought.
• Your kids grow up way too fast. Take the trip. Take the picture. Stay out too late.
• Plans will change — roll with it. Some of our favorite moments weren’t even on the itinerary.
• Home matters. Traveling is amazing, but there’s also something pretty great about having a place and a life you’re excited to come home to.

And maybe that’s why we love what we do so much. A mortgage is never just about a house or an interest rate. It’s about helping people build the life that happens inside of it — family dinners, teenagers, little kids, trips, milestones, chaos and all. 🤍

NYC, you were good to us. 🗽
And this crew? They’re still our favorite investment.

09/25/2026

🚨 Could mortgage rates hit 8%? Could they fall back to 6%?

Both are possible — but either move would likely require something significant to change in the economy.

The bigger takeaway for buyers? Don’t build your entire plan around a future rate that may or may not happen.

Higher rates can mean:
• fewer competing buyers
• more inventory
• more price reductions
• more negotiating power
• more opportunities for seller credits or rate buydowns

So instead of asking, “When will rates get back to 6%?” the better question may be:

“What does the deal look like for me today — and what can we negotiate?”

Because sometimes the opportunity isn’t hiding in the interest rate. It’s hiding in the terms of the deal. 🏡

09/21/2026

Rates are high. Headlines are loud. But that doesn’t automatically mean buyers should sit on the sidelines.

In a slower market, buyers can sometimes gain something they haven’t had much of in recent years: leverage.

More inventory.
Less competition.
More room to negotiate price, repairs, closing costs — and even seller-paid rate buydowns.

Waiting for the “perfect” rate can also mean waiting until more buyers jump back in.

The better question may be: Is this the right house, payment and timing for your family?

Because the best deal isn’t always the lowest rate — sometimes it’s the one you can negotiate today. 🏡

09/11/2026

More buying power = more possibilities 🏡✨

With conforming financing now available up to $845,000* for a one-unit property, qualified buyers may have more room to finance while staying within conforming loan guidelines.

Whether you’re buying your first home, moving up, or just curious what this means for your price range, the financing strategy matters just as much as the rate.

We’re here to help you understand the numbers, compare your options, and structure the loan that makes the most sense for your goals.

Want to see what this could mean for your buying power? Send us a DM.

09/08/2026

Mortgage advice we’d only give after two glasses of champagne… 🥂

Like:
Maybe Zillow isn’t your financial advisor.
Maybe “I’ll just wait for rates to hit 3% again” is not a plan.
And maybe buying the absolute max you qualify for because “the bank said I can” deserves another sip. 😂

Consider this our slightly less-filtered mortgage advice.

Cheers to good decisions, realistic expectations, and not texting your lender after glass #3. 🍾🏡

08/25/2026

Real estate has been a journey for us — and we’re living proof that you can use it as leverage to build not only wealth, but also a life that gives your family more options.

Have we come out on top every single time? Definitely not. 😂 But because we’ve been willing to play the long game, take some risks and make moves, real estate has given us the freedom to make decisions for our family that we may not have been able to make otherwise.

The moves, the remodels, the packing, the change… it is NEVER easy. Every time we move we swear we’re never doing it again. But apparently it’s a little like giving birth — eventually you forget how painful it was and suddenly a new house, new city and change of scenery sounds exciting again. 😂

And when we talk to our clients about different financing strategies, we’re not just talking about things we’ve read about.

We’ve personally bought homes using FHA, conventional, jumbo, non-QM, ARMs, 30-year fixed loans and more. We’ve refinanced when rates made sense, leveraged equity, remodeled homes, sold homes, moved states and taken chances.

Some worked out better than others. Most paid off.

The biggest lesson? There isn’t one “right” way to use real estate.

Sometimes your home is a place to put down roots. Sometimes it’s an investment. Sometimes it’s the tool that gives you the flexibility to make your next move.

And sometimes… it’s all three. 🏡

08/17/2026

Traditional financing doesn’t always tell the full story — and that’s where creative financing can make all the difference. 🏡

Whether you’re self-employed, earn 1099 income, own a business, have significant assets, or simply don’t fit neatly into the traditional lending box, there may be more options available than you realize.

From bank statement loans and P&L programs to asset depletion and other non-traditional solutions, we look at the bigger picture and help find a strategy that fits your actual financial situation.

Because sometimes the right answer isn’t “you don’t qualify.”
It’s “let’s look at this differently.”

📲 425.998.3916
📧 [email protected]

04/02/2026

We see is every year - there a window where everything just clicks in the market…and this is it.

🗓️April 12-18

More buyers. More activity. Better outcomes.

If you’re thinking about selling and buying at the same time, we understand the ins out & upsidedowns of that process. We help you line up both sides so it actually works (without the stress).

Let’s build your plan 🌸🍀🌼

Address

4040 Lake WA Boulevard NE Suite 301
Kirkland, WA
98033

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+14259983916

Website

https://www.originpoint.com/loan-officers/team-vann-126296

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