Ric Harter - Highlands Residential Mortgage-NMLS #964644

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Ric Harter - Highlands Residential Mortgage-NMLS #964644 Sr. Loan Officer
Highlands Residential Mortgage, Ltd NMLS ID #134871 is an Equal Housing Lender. State Licenses: https://highlandsmortgage.com/state-licenses/

10/16/2026

🏡✨ Every homebuyer has a story, and helping make homeownership possible is what it’s all about!

I love helping people navigate the mortgage process and find the right path toward achieving their homeownership dreams. 🔑❤️ Whether you're buying your first home or making your next move, let's explore your options together!

📲 Let's make your homeownership goals a reality!

Love your in-laws? Absolutely. Want to move all your boxes into their garage between homes? Maybe not!If timing the sale...
10/05/2026

Love your in-laws? Absolutely. Want to move all your boxes into their garage between homes? Maybe not!

If timing the sale of your current home with the purchase of your next one has you stressed, Highlands' Buy Before You Sell program may give you another option.

It can help you buy your next home before selling your current one, giving you more breathing room between moves.

If you're ready for your next home but the timing is holding you back, give me a call and let's see if Buy Before You Sell could work for you.





http://www.TeamRicHarter.com

Self-employed and worried your tax returns will make getting a mortgage complicated? You may have more options than you ...
10/03/2026

Self-employed and worried your tax returns will make getting a mortgage complicated? You may have more options than you think.

Bank statement loan programs can offer another way to document income for certain self-employed borrowers and business owners.

If you've been assuming homeownership is off the table because of how you earn your income, don't count yourself out. Give me a call and let's take a look at your options.





http://www.TeamRicHarter.com

If your fall Pinterest board is full of dreamy porches and cozy living rooms, but your savings account hasn't quite caug...
10/01/2026

If your fall Pinterest board is full of dreamy porches and cozy living rooms, but your savings account hasn't quite caught up, don't assume you have to keep waiting.

Down payment assistance programs like SmartBuy may help eligible buyers with down payment and closing costs, making homeownership closer than you think.

If buying a home is on your fall wish list, let's talk about what options may be available to you.





http://www.TeamRicHarter.com

This is the perfect time to get into a new home. Listings are still strong, competition has cooled off from summer, and ...
09/29/2026

This is the perfect time to get into a new home. Listings are still strong, competition has cooled off from summer, and there's plenty of time to get pre-approved, find a place, and settle in before the weather turns and the holidays get crazy.

Getting pre-approved now means you'll know what price range truly fits your budget, be ready to act fast when the right home pops up, and avoid juggling showings, packing, and holiday madness all at once.

There's still a sweet spot to make a smooth move this fall-contact me today and let's get your pre-approval in place so you can fall into your next home instead of waiting for "someday."





http://www.TeamRicHarter.com

September is National Preparedness Month, and with holiday spending right around the corner, it's a good reminder to che...
09/27/2026

September is National Preparedness Month, and with holiday spending right around the corner, it's a good reminder to check in on your bigger financial goals too.

If buying a home is something you're considering in the next year, now is a great time to understand where your credit stands and what steps you can take to be better prepared.

Already own a home? It may also be a good time to take another look at your current mortgage and see if refinancing could make sense for your goals.

Whether you're planning your next move or just want to make sure you're in a good financial position heading into the holidays, I'm always happy to help you look at the bigger picture.





http://www.TeamRicHarter.com

I talk to a lot of people who assume they're years away from buying a home when they may actually be closer than they th...
09/25/2026

I talk to a lot of people who assume they're years away from buying a home when they may actually be closer than they think.

There are programs designed to help with some of the biggest hurdles buyers face, including down payment assistance and options for first-time buyers and other eligible homebuyers.

The first step isn't having everything figured out. It's finding out where you stand so you can move from "someday" to "we did it."

If you've been wondering whether homeownership could be possible for you, let's talk.





http://www.TeamRicHarter.com

Before you start scrolling listings and falling in love with every kitchen you see, it pays to slow down and get the bas...
09/23/2026

Before you start scrolling listings and falling in love with every kitchen you see, it pays to slow down and get the basics in place. A little time upfront getting everything organized can make the entire process smoother, clearer, and a lot less stressful.

If you're ready for a straightforward "Homebuying 101" - short, simple, and in plain English - reach out to me. We'll walk through it together so you can start your home search with confidence.





http://www.TeamRicHarter.com

As the busy summer moving season starts to wind down, the pace of the market often eases up too - and that can create a ...
09/21/2026

As the busy summer moving season starts to wind down, the pace of the market often eases up too - and that can create a quiet advantage for buyers. Homes may sit a little longer, which can open the door to more flexibility on price, terms, and concessions. If you've been thinking about buying, this fall could be a great time to explore your options. Reach out and let's see what kind of opportunity might be out there for you.





http://www.TeamRicHarter.com

Mortgages can be confusing, and a lot of people are afraid to ask questions because they think they should already know ...
09/18/2026

Mortgages can be confusing, and a lot of people are afraid to ask questions because they think they should already know this stuff.

Spoiler alert: you're not supposed to. That's my job.

Credit scores, down payments, closing costs, refinancing, pre-approval... ask me anything. There really is no such thing as a silly mortgage question.

If something you don't understand is holding you back, send me a message. I'm happy to help.





http://www.TeamRicHarter.com

Address

516 6th Street S, Ste 200
Kirkland, WA
98033

Telephone

+12063356133

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