The Miltenberger Team - NFM Lending

The Miltenberger Team - NFM Lending Let us help you achieve your real estate goals! With more than 100 years of combined experience in mortgage lending, we have seen it all! NFM, Inc.

https://bp.nfmlending.com/prequal/jmiltenberger
Senior Loan Officer, Jeff Miltenberger NMLS #108278
NFM Lending NMLS #2893 | Equal Housing Lender The one thing that continues to motivate us, is working with clients and helping them achieve their real estate goals. Knowledge and communication is the key to a successful homebuying experience and that is my team’s main focus. We ensure all our clien

ts know and understand all available options. Our experienced, hard-working team works closely with the client and keeps all parties informed from the application to the closing of the loan. Our goal is to make the process as seamless and stress-free as possible. We pride ourselves on always having someone available when you need us. We do it all - from Conventional, FHA, FHA 203K Streamlines, VA, WA State Bond, all the way to Non-Traditionally Qualifying programs (Bank Statement, Cash Flow, etc.). From First-Time Home Buyers to seasoned homeowner/investors. Our goal is to help you understand the process all the while getting the best deal, and closing on time. We look forward to talking with you soon! I am authorized to conduct business in WA, AK, AL, AZ, CA, CO, FL, GA, HI, ID, IL, KY, MO, MN, MS, MT, NC, NE, NV, OH, OK, OR, SC, SD, TN, & TX. Jeff Miltenberger Sr Loan Officer NMLS #108278
Equal Housing Lender. MLO State Licensing Information AZ 917685, CA DOC108278, CO 100017613, FL # LO97921, GA 108278, HI # HI-108278, ID MLO21521, IL 031.0078818, MN # MN-MLO-108278, NV MLO70302, NC #
I-207023, OH # MLO-OH.108278, OK # MLO27386, OR 108278, TN - 108278, TX, WA MLO108278. NFM Lending is not affiliated with any real estate companies. You are entitled to shop around for the best lender/real estate company for you. A pre-approval is a preliminary verification of your credit and assets and not a guarantee that you will be approved for a mortgage loan. This is not a credit decision or a commitment to lend. Eligibility is subject to the completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. d/b/a NFM Lending. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). Licensing and Disclosure Information can be found at: https://nfmlending.com/texas-consumer-disclosure/. 9NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2023. NFM Lending is an Equal Housing Lender. All Loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Higher mortgage rates don’t always mean home prices will drop. In many markets, low inventory and strong buyer demand co...
05/29/2026

Higher mortgage rates don’t always mean home prices will drop. In many markets, low inventory and strong buyer demand continue to keep prices elevated. Plus, many homeowners with low rates are choosing not to sell, limiting supply even more.
 
The good news? You don’t have to navigate this market alone. Working with experienced real estate and mortgage professionals can help you explore your options and make informed decisions based on your goals and local market conditions.

05/29/2026

Inflation hit its highest level since 2023.
The Iran conflict remains the biggest story driving markets.
And yet... mortgage rates improved.
So what gives?
This week, I break down why the market looked beyond the headline inflation numbers, how developments in the Middle East are influencing rates, and why a potential resolution could have a bigger impact on mortgage rates than the next round of economic reports.
I also discuss a surprising issue with the housing component of the CPI report and what it could mean for the market moving forward.
If you're buying, selling, investing, or simply trying to understand where rates may be headed next, this is one update you won't want to miss.
🎥 Watch this week's Quick Market Update and let me know your thoughts below.

Johns Island, SC | $418,500Helping first-time buyers win with the right strategy 🏡✨This purchase utilized down payment a...
05/29/2026

Johns Island, SC | $418,500
Helping first-time buyers win with the right strategy 🏡✨
This purchase utilized down payment assistance, helping our buyers become homeowners while keeping upfront costs manageable. Programs like this can be game changers when paired with the right guidance and planning. 🧭🗺️

Huge appreciation to the agents involved for educating, advocating, and helping make the dream of homeownership a reality for these buyers. Closings like this are the best kind 🙌
Buyers agent:
Listing agent:
Loan Originator:

Many May sellers are not just selling.They are buying again, too.In areas like Lynnwood, Boise, and Charleston, move-up ...
05/22/2026

Many May sellers are not just selling.

They are buying again, too.

In areas like Lynnwood, Boise, and Charleston, move-up buyers are balancing equity, payoff amounts, new payment estimates, and timing. A clear loan strategy helps connect the sale and purchase without guesswork.

DM me if you want to map out your move-up numbers. ⁣

Buying a condo this spring?The loan review goes beyond your finances.In markets like Honolulu and Saint Augustine, condo...
05/21/2026

Buying a condo this spring?

The loan review goes beyond your finances.

In markets like Honolulu and Saint Augustine, condo financing can depend on HOA documents, insurance, reserves, and occupancy details. Confirming the condo file early can prevent late surprises.

Send me a message if you are looking at a condo this spring. ⁣

May competition can push offers higher.The appraisal still has a job to do.Across Nashville and Spokane, appraisal gaps ...
05/20/2026

May competition can push offers higher.

The appraisal still has a job to do.

Across Nashville and Spokane, appraisal gaps can happen when strong offers move faster than comparable sales. Buyers and sellers both need a plan for what happens if value comes in lower than expected.

DM me if you want to understand appraisal gap options before offer time. ⁣

Another VA win 💥🇺🇸This Canyon Park beauty was secured using a VA loan with 0% down—proving once again that veteran buyer...
05/20/2026

Another VA win 💥🇺🇸
This Canyon Park beauty was secured using a VA loan with 0% down—proving once again that veteran buyers can compete at a high level, even in the million-dollar price range.

Strong financing structure, preparation upfront, and great teamwork helped make this offer stand out.
Huge shout out to the agents on both sides for their communication, advocacy, and hustle throughout the transaction. Love seeing VA buyers win 🏡👏
Buyers agent:
Listing agent: Scott Ellis
Loan Originator:

Seller credits are showing up in spring negotiations.And they can matter more than a small price cut.In cities like Phoe...
05/19/2026

Seller credits are showing up in spring negotiations.

And they can matter more than a small price cut.

In cities like Phoenix and Portland, some buyers are using seller credits toward closing costs or rate buydowns. For sellers, this can help keep the deal moving without reducing the list price as much.

Message me if you want to see how seller credits could change your numbers. ⁣

May buyers are not just asking about home prices.They are asking about monthly payment.In markets like Austin, Denver, a...
05/18/2026

May buyers are not just asking about home prices.

They are asking about monthly payment.

In markets like Austin, Denver, and Raleigh, buyers are comparing rate options, taxes, insurance, and closing costs before making offers. The smartest move is knowing the full payment picture before getting serious.

DM me if you want help breaking down your real monthly numbers. ⁣

05/15/2026

Mortgage rates got hit from every direction this week. 📈💥
Between:
• The Iran peace proposal being rejected
• Hotter-than-expected CPI & PPI inflation reports
• Rising oil prices
• And continued inflation concerns
…the bond market and mortgage rates felt the pressure all week long.
In this week’s Quick Market Update, I break down:
➡️ Why oil prices matter so much to mortgage rates
➡️ Why the Fed isn’t cutting rates anytime soon
➡️ What’s really driving inflation higher
➡️ And why we can’t simply “drill our way out of it” with more oil production in Texas
There’s a LOT happening beneath the surface of today’s market — and understanding the “why” matters now more than ever.
🎥 Check out this week’s Quick Market Update below!

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3400 188th Street SW, Ste 400
Lynnwood, WA
98037

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