Mandy Sigvartson Loan Originator with PrimeLending

11/05/2024

📅 Saturday, November 16th
⏰ 9am – 11am
📍 Moe’s Coffee (Olympic)
434 N Olympic Ave, Arlington, WA 98223

Join us for a cozy coffee chat to discuss all things real estate and home loans before the holiday season picks up! ☕ Whether you’re considering a move or curious about how the process works, we’re here to answer all your questions over a warm cup of coffee.

Pop by and meet us before the year wraps up! 🍂

10/31/2024

Boss Baby stepped in at PrimeLending today! 🎃🕸️👻

10/16/2024

For a limited time, PrimeLending’s Fall Savings Buydown program can effectively lower the interest rate for the first year of a FHA, VA, or USDA purchase mortgage!!! 💰

With this exclusive LENDER PAID 1-0 temporary buydown program, funds are placed into an escrow account that will subsidize your monthly mortgage payments for the first year. 💥

Plus, you can stack this offer on top of our VA No Lender Fees** promotion to really rake in the savings.

Reach out today and mention the promo code FALL SAVINGS to get more info! 🍁🍂

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 10/15/24 and 11/30/24. Loan must close by 02/28/25. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion; all other promotions are excluded. Certain loan programs do not allow buydowns. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.
** All lender closing costs such as origination, processing, underwriting, and closing will be waived, borrower is still responsible for third party fees such as VA funding fee, title, and appraisal etc. Down payment waiver is based on VA eligibility. This offer is valid until 12/31/2024. Savings only applies to direct originations made by PrimeLending for first mortgage purchase or refinance transactions and is not available on loans obtained through mortgage brokers. Only one offer per loan transaction is available, and savings cannot be combined with any other offer or bond program other than Fall Savings Buydown promotion offer. Savings will reflect on Closing Disclosure at closing.

10/02/2024

📅 Saturday, October 12th
⏰ 9am – 11am
📍 Looking Glass Coffee
801 1st St, Suite 201
Snohomish, WA 98290

Join us for a laid-back coffee chat—and best of all, the coffee’s on us! ☕

Whether you’re buying your first home or just curious about the real estate market and the home loan process, this is your chance to meet us, enjoy local coffee, and pick our brains. We’ll answer all your questions!

Pop by and let’s chat! We’d love to see you there.

08/05/2024

Dreaming of owning your own home? ✨💫

Here’s how to budget effectively for homeownership and make your dream a reality!

• Evaluate Your Finances: Review your income, expenses and savings to understand your financial health.
• Save For a Down Payment: You don’t need 20% down, but it’s a great threshold to aim for to avoid private mortgage insurance (PMI).
• Calculate Total Homeownership Costs: Factor mortgage payments, property taxes, homeowners insurance, and utilities into your budget.
• Plan for the Unexpected: Build an emergency fund with 3-6 months’ worth of living expenses.
• Get Approved with a Lender (aka me!): Understand how much you can afford and be ready to start home shopping.

Have a budgeting tip? I’d love to hear them!

08/01/2024

07/29/2024

Playing the waiting game with mortgage rates? You’d like to buy but ideally you want to wait for a lower interest rate – I totally get it! Here are my two cents about why waiting for rates might not be the best idea if you can afford to buy sooner rather than later:

When mortgage rates dropped in 2020-21, more buyers entered the market resulting in home price increases and bidding wars. Potential homebuyers priced out of today’s market will be itching to buy if rates come back down. You may want to avoid the competition from other buyers flooding the market.

While waiting for rates to come down, rising home prices could make the overall cost of homeownership more expensive. Not only have home prices increased but rent prices have increased too. You can lock in a steady mortgage payment now and enjoy the equity that you build in the years to come.

Just waiting can be stressful. Analyzing market trends and monitoring the housing market can be draining. Plus, if you have specific time constraints (like your lease ending), waiting for rates may not be feasible.

Ultimately, deciding to wait or not to wait depends on your individual circumstances. Chat with a financial advisor or send me a DM to help you weigh the pros and cons!

07/15/2024

Wanting to jump into the housing market this summer but don’t know where to begin? 🤔

It’s always more fun to shop when you know what you want and how much you can afford. Here are 5 reasons to talk to a lender before you start house hunting:

• Determine your budget to narrow down your search.
• Getting an approval letter from a lender can strengthen your offer.
• Understand the loan options that may fit your needs and goals.
• Set expectations for additional costs associated with homeownership like closing costs, down payment requirements, property taxes, and insurance.
• Start getting the document collection out of the way now to make it easier on yourself when it’s time to finalize the loan.

Have any questions? Send me a DM! 📲

06/24/2024

CURIOUS ABOUT ZERO DOWN LOANS? 🤔

A $0 down payment loan is exactly what it sounds like, a mortgage that does not require a down payment. Like any decision, there are pros and cons to a $0 down mortgage.

PRO — Buying a house with no money down means buyers won’t have to drain their savings to try to meet the down payment requirement.

CON — Typically, no down payment mortgages have a higher interest rate than traditional mortgages which can lead to larger monthly payments.

PRO — You could get into a home sooner because you won’t have to save up a down payment.

Have questions about down payments or $0 down loan options? Send me a DM — I’d love to chat further! 🏡

05/08/2024

Ready to make your down payment and call it a day? Ah, ah, ah…not so fast. While your down payment is an important upfront cost, it’s not flying solo. Other upfront costs associated with buying a home include closing costs, property taxes, and homeowner’s insurance, to name a few. 🏡

I’m committed to making sure you have a clear understanding of all the upfront costs associated with buying a house and I’ll help you prepare for every aspect of the mortgage process. Let’s work together to make your homeownership journey as simple as possible! 👏🏼👏🏼