Motto Mortgage Orca

08/27/2026

The winds of change are always blowing in the mortgage industry. Options give us control and allow us to a high degree the ability to determine our results. If you are looking for solutions to your mortgage needs, let us know how we can help.

08/06/2026

🏡 Every deal has a different play. Do you have the right one?
Not every client fits into the traditional mortgage box—and that's where creative financing can make all the difference.

Join Missy Mitchell with Motto Mortgage Orca for the first session of the Deal Rescue Playbook series and discover how a Buy Before You Sell strategy can help clients move forward without feeling stuck.

This interactive Lunch & Learn will cover:
✅ A real-life case study
✅ Creative financing strategies that work
✅ Practical solutions for challenging buyer situations
✅ Tools you can put to work immediately in your business

Whether you're working with a buyer who's hesitant to list first or simply want more solutions in your real estate toolbox, this session is designed to help you create better outcomes for your clients.

📅 Thursday, August 6
🕛 12:00 PM – 1:00 PM
🍽️ Lunch Provided

When one door closes, let's find another path to YES.

07/22/2026

PUBLIC SERVICE ANNOUNCEMENT
I wanted to share some upcoming changes to Fannie Mae and Freddie Mac condominium lending guidelines that may impact condo transactions beginning August 3, 2026. These changes place greater emphasis on the financial health of the homeowner’s association (HOA) and the overall condition of the project, making early due diligence more important than ever.

Key Changes:

Stricter Condo Project Reviews
*Most condo transactions will now require a full review of the HOA's budget, reserves, insurance, and financials.The previous limited review option is being eliminated for most transactions.

Higher Reserve Requirements
*HOAs must maintain at least 15% of their annual budget in replacement reserves, an increase from the previous 10% requirement.

Updated Insurance Standards
*The agencies have expanded acceptable insurance guidelines, including higher deductible allowances and greater flexibility in master policy coverage requirements.
Easier Financing for Smaller Projects

*Condo projects with 10 or fewer units will be exempt from the standard project review process.

Owner-Occupancy Requirement Eliminated
*Established condo projects are no longer required to meet the 50% owner-occupancy threshold, which may improve financing opportunities in investor-heavy communities.

What Realtors, Agents and Brokers can do now to help avoid surprises later in the transaction, I recommend:

1. Asking about HOA reserve funding early in the process.
2. Identifying any pending special assessments or major repair projects.
3. Requesting HOA documents as soon as possible.
4. Reviewing the overall financial health of the association, not just the individual unit.
5. Encouraging sellers to gather HOA documents before listing their property.

Why This Matters
A condo's financing eligibility may increasingly depend on the strength of the association's finances, reserve funding, insurance coverage, and maintenance history. Identifying potential concerns early can help prevent delays, financing challenges, or contract issues later in the transaction. The good news is that not every condo project will be affected. However, proactive conversations upfront can help buyers, sellers, and agents navigate the process more smoothly.

My goal is to be a resource for you and your clients by helping identify potential financing concerns before they become obstacles.

Make it a great day in real estate!

07/21/2026

🏆 BROKER OWNERS OF THE YEAR! 🏆
We are incredibly honored and grateful to be recognized as Motto Mortgage Broker Owners of the Year for 2025.

This award may have our names on it, but it represents the hard work, dedication, trust, and support of everyone who has helped build Motto Mortgage Orca. We are proud of what we have accomplished together and even more excited about where we are headed.

Thank you to our team, our real estate partners, our clients, and the entire Motto Mortgage family for believing in our vision and allowing us to serve our community.

This is only the beginning!

07/16/2026

Marysville Thirsty Thursday Today – 6+ years of Community Business Networking. Calling all local business owners, professionals, and community leaders!

Join us for Thirsty Thursday, the best Northern Snohomish community networking event, where relationships are built, ideas are shared, and opportunities grow. Businesses of all sizes are welcome, and no membership is required—just bring your business cards and your energy!

This is your chance to:
*Meet new professionals in the community
*Build meaningful business relationships
*Share what you do and learn what others are doing
*Grow your network in a relaxed, welcoming environment

Location: Marysville, WA
Time: 4:30 PM - 6:30 PM

Who should attend: Business owners, entrepreneurs, professionals, and anyone looking to connect locally. Whether you're growing your business, looking for referrals, or simply want to meet more amazing people in the community — this is the place to be.

*Register here: https://www.eventbrite.com/e/thirsty-thursday-greater-marysville-community-business-networking-tickets-135057280963?aff=oddtdtcreator&keep_tld=true
Bring a friend, bring your cards, and come ready to connect.
Let’s grow business and community together.

Come join us for Thirsty Thursday Community Business Networking on the third Thursday every month- let's connect, collaborate, and network!

07/16/2026

The ONE and only Nanci!

Nanci J. Denney is among the 7% of Seattle mortgage professionals to receive this award.

06/30/2026

Everyone is welcome. Join us this Thursday to learn all about the upcoming changes to condo financing. This is important information for both Buyers and Sellers. This is a Professional's market - give yourself (and your clients) every advantage! Location, Realty ONE Group Orca, Marysville

05/25/2026

📍Snohomish County – Monday Market Watch
Snohomish County is continuing to lean toward a buyer’s market as more sellers adjust expectations and reduce pricing to meet current market conditions. The “pink cloud” pricing mentality is starting to fade, and buyers are gaining more negotiating power week after week.

*New Listings: 291-Inventory continues to provide buyers with more options throughout the county.
*Pending Sales: 336-Well-priced homes are still moving quickly, especially in desirable neighborhoods and affordability pockets.
*Price Reductions: 246-This remains one of the strongest indicators of the current market shift. Sellers who adapt are creating movement, while overpriced homes continue to sit.

Buyers are finding more leverage in negotiations, while sellers need to stay realistic and strategic to compete in today’s market.

It’s a great day in real estate.

05/25/2026

📍King County – Monday Market Watch
King County continues to show signs of a shifting market as inventory remains elevated and sellers are being forced to make pricing decisions quicker than they were just a few months ago. The question for many homeowners right now isn’t just “Should I sell?” — it’s whether they’re willing to position their home competitively enough to actually get it sold.

*New Listings: 797-More inventory continues to hit the market, giving buyers more choices and creating stronger competition between sellers.
*Pending Sales: 774-Homes are still selling, but buyers are taking their time and becoming much more selective about condition and pricing.
*Price Reductions: 528-This continues to be one of the biggest market signals in King County. Sellers who price based on today’s market instead of yesterday’s headlines are the ones getting results.

For sellers, strategy and pricing matter more than ever. For buyers, opportunity is continuing to grow as inventory rises across the county.

It’s a great day in real estate.

05/25/2026

📍Skagit County – Monday Market Watch
Skagit County continues to benefit from housing affordability compared to neighboring counties, keeping demand strong and maintaining a seller’s market environment. Buyers looking for value are still turning north, and that pressure continues to support pricing and activity.

*New Listings: 64-Inventory remains relatively tight, helping maintain seller advantage in many areas.
*Pending Sales: 73-Pending sales outpaced new listings again this week, showing continued buyer demand.
*Price Reductions: 43-Price reductions remain lower relative to activity, signaling that properly priced homes are still attracting strong attention.

Affordability continues to drive the Skagit County market, and buyers waiting too long may find themselves paying more later if inventory remains limited.

It’s a great day in real estate.