Ric Harter - Highlands Residential Mortgage-NMLS #964644

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United States
Kirkland, WA
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/

06/15/2026

Moving into a new home is exciting, but the first few days can get busy fast. Between setting up utilities, updating your address, checking safety items, and handling all the little details that come with a move, it helps to have a plan in place.

Staying organized early can make the transition feel much smoother and help you avoid unnecessary stress after closing.

Let's make sure you feel prepared for more than just move-in day so you can settle in with confidence.

http://www.TeamRicHarter.com

06/13/2026

Buying a home comes with more than just a down payment and knowing the full picture upfront can make a big difference. Along with expenses like appraisal, inspection, closing costs, and moving expenses, it's also important to plan for ongoing items like property taxes, insurance, utilities, HOA fees, and home maintenance.

Taking time to look at both the upfront and long-term expenses can help you prepare with more confidence. We'd be glad to help you run through a few scenarios so you can see what makes the most sense for you.

http://www.TeamRicHarter.com

06/11/2026

Deciding between renting and owning can feel like a big decision, especially when both options come with different advantages. While renting may offer flexibility, homeownership can create long-term benefits like building equity, gaining more payment stability, and investing in something of your own over time. For many buyers, it's also about creating a space that feels permanent and personal.

Let's talk through what matters most to you so you can decide which path fits your goals best.

http://www.TeamRicHarter.com

06/09/2026

Most people do not see all the behind-the-scenes work that goes into taking a buyer from application to closing, and there is often much more happening than they realize.
From reviewing finances and explaining loan options to gathering documents and keeping everything on track, we help guide each step of the mortgage process. My team and I will help guide you on what documents are necessary for your mortgage application, and select the ideal mortgage program, tailored to your goals and budget.

We'd love the chance to show you what that support can look like and help you take the next step with confidence.

http://www.TeamRicHarter.com

06/07/2026

Looking to buy a home? Chances are, you need a mortgage - a loan specifically for buying a house.
We put together a simple breakdown to help take some of the mystery out of it, so you can feel more informed, more confident, and a little less like everyone else got a handbook you missed. If you are ready to begin your home buying adventure, let me know! We'll walk you through the process.

http://www.TeamRicHarter.com

06/06/2026

Graduation is a huge milestone... and for some, homeownership could be the next one. If you're thinking beyond renting, this is a great time to start learning about down payment savings, loan options, and what a realistic plan could look like.

You don't have to have it all figured out today. Most big goals start with a few small, smart steps.

If buying a home is somewhere on your radar, I'm always happy to help you start the conversation.

http://www.TeamRicHarter.com

06/05/2026

Closing day is one of the most exciting parts of the homebuying journey, but it also comes with a lot of important details. From bringing the right identification to verifying wiring instructions and signing final documents, knowing what to expect can help the day feel much smoother. A little preparation goes a long way when it comes to avoiding stress and walking into closing with confidence. We're here to help make sure you feel ready, informed, and excited when the big day arrives.

http://www.TeamRicHarter.com

06/04/2026

Pre-approval is not just paperwork. It is your homebuying superpower.

Want to shop with confidence, know your numbers, and be ready to move when the right home hits the market? That all starts with pre-approval.

It helps you understand what you can comfortably afford, shows sellers you mean business, and can help make the underwriting process smoother from the start.

Basically, it is the smart move before the first showing, the open house snacks, and the "this is the one" moment.

Let's get you set up with confidence.

http://www.TeamRicHarter.com

06/03/2026

Embarking on your homebuying journey and wondering who all is involved in that process?
We can walk you through all the various roles that are involved in the mortgage process so you feel more informed, and know exactly what to expect each step of the way.

Ready to get started? Give us a call. Our dedicated team is here to answer all your questions so you can make informed decisions.

http://www.TeamRicHarter.com

Address

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

Telephone

+12063356133

Website

http://www.TeamRicHarter.com/

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