Sunny Larsen - CrossCountry Mortgage

08/27/2026

Yep - you're allowed to interview me. ☺️ Almost every first call opens the same way: "What's your rate?" And I get it, that's the number the internet talks about, but it's the least useful thing you could lead with. So, here's what I'd ask if I were sitting where you are:

✔️ Which loan programs do you think fit my situation, and why those over the others?
✔️ Are we planning my mortgage strategy with both my short and long-term financial goals in mind? (This is a BIG one!)
✔️ What's my full cash to close, not just the down payment?
✔️ Who actually touches my file day to day, and who do I call when something comes up on a Friday afternoon?
✔️ How fast do you usually close, and what's the thing that most often slows it down?

A lender who's happy to sit in those questions with you is the one you want, and a lender who gets impatient and steers you back to rate is telling you something about how the rest of it will go. ☺️

Save this before your first lender call!

08/26/2026

The cash buyer you're up against probably isn't Wall Street. 👀 For years the worry was the same: how do you compete with a big investor who shows up with cash and takes the house you wanted?

Here's what's really happening: investor home purchases just fell to their lowest level since 2020 (according to Redfin). A federal law passed this summer, the 21st Century ROAD to Housing Act, put limits on the largest institutional buyers. And with price growth slowing across a lot of the country, the math stopped working for investors betting on quick gains.

That's all very real, but I want to be careful about what it means for you, because the headlines are running a little ahead of the data! 📊 Those mega investors were never as big as they sounded. At their peak in 2022 they were roughly 2.4% of home purchases. A small slice, now smaller.

Which brings me back to this graphic. Cash buyers were still about a quarter of the market this summer. That competition didn't go anywhere, because it was never Wall Street to begin with...it's the couple down the street who sold a house they'd owned for fifteen years and rolled the equity into the next one.

Here's why that's actually good news for you: a repeat buyer with equity is beatable in a way an institution isn't. They have a house to sell, they have a timeline, and they have contingencies of their own.

You don't need to out-cash anyone...you need to out-prepare them. DM me to get started...I'll tell you more about how we're helping buyers win offers right now! 📲

08/25/2026

There's a particular kind of review that means more than the others, and this is it. 🙌 Lee has sent me multiple clients over the years and also trusted me with her own refinance. Those are two very different levels of trust, and getting both is genuinely the highest compliment in this business.

Here's why agent reviews carry so much weight with me: a client works with me once, maybe twice in a lifetime. An agent watches me across many transactions. They see the easy files and the ones that get complicated. They see whether I call back on a Friday afternoon. They see exactly what happens when something unexpected shows up three days before closing (and let's be honest - it happens more often than any of us would like!)

So when Lee says "she consistently finds solutions and gets transactions to the finish line," that's someone describing a pattern, not a single good experience. That's the review I want and love!

Thank you SO much, Lee. 💛

If you're an agent in Bonney Lake, Tacoma, Puyallup or anywhere in the South Sound looking for a lender who communicates and solves problems - or a homeowner thinking about a purchase or refinance - I'd love to connect! 🏡

08/24/2026

New week, new economic calendar - and I'm breaking down what matters!

Tuesday brings new home sales and the latest home price data, and Wednesday delivers PCE, the inflation gauge the Federal Reserve watches most closely. Plenty worth following as we move toward fall.

Here's the encouraging part for buyers: this summer has been a bit slower, so homes are sitting on the market a little longer and there's less competition than there was a year ago. For a prepared buyer - especially a military family using VA benefits near JBLM - that can mean more room to negotiate.

Whether you're a first-time homebuyer in Puyallup, making a move in Kitsap County, exploring your options in Tacoma, or buying across Oregon, Idaho, Arizona, California, Colorado, or Florida, understanding the bigger picture helps you buy with confidence. That's what I'm here for - as your neighbor and your guide here in the PNW. 💙

📲 [email protected] | 425.876.4959

08/19/2026

Parents: raise your hand if the first week of school is harder on you than it is on the kids! 🤚 Between work, snacks, drop-offs, new schedules...I know firsthand how stressful it can be.

Seven things that I hope will help you through it:

→ Move bedtime ten minutes earlier starting two weeks out
→ One low-key playdate or library afternoon before day one
→ Ask what feels exciting AND what feels scary 💡
→ Make the supply list a team/family project
→ A "launch pad" by the door for backpacks, shoes, jackets and water bottles 🚀
→ Screenshot the bell schedule, lunch menu, drop-off map, etc. - lock screen it 📱
→ Protect your evenings. Crockpot, leftovers, frozen pizza. Zero shame! 🍕

And if this is the year your house started feeling small, the school calendar is almost always what decides when families move. Whether you're a first-time homebuyer, a family needing more space, or a military family using a VA loan on a PCS timeline, I'd love to help you plan around the school year.

Save & share this with a parent who needs it. 🍎

08/18/2026

"Sunny is a fantastic person to have on your team when buying a house." 🥹

Jaclyn, thank you so much. And I want to sit with one line in particular: "As first time homebuyers it was so reassuring to be able to trust someone to guide us and know that we were in good hands the entire time."

Reassuring. That's the word. Because here's what buying your first home actually feels like from the inside: an enormous amount of money, a mountain of unfamiliar vocabulary, a hundred small decisions in a row, and a constant low-grade worry that you're missing something obvious that everyone else already knows.

You're not missing anything. You're doing something for the first time, which is exactly what "first-time homebuyer" means. My job is to be the person who's done it a few hundred times, standing right next to you, telling you what's normal and what's not.

Jaclyn, I loved working with you and your family. Congratulations again! 🏡💛

If you're a first-time homebuyer in Arizona, California, Colorado, Florida, Idaho, Oregon, or Washington - I'd love to be on your team too!

08/17/2026

New week, new economic calendar - and I'm breaking down what matters for my South Sound community! 🌲

Tuesday brings housing starts and building permits, a great read on how much new construction is coming our way. Wednesday, the Fed releases its July meeting minutes, giving us insight into the road ahead. Pair that with some encouraging inflation news lately, and there's a lot worth watching as we head toward fall.

Whether you're a first-time homebuyer in Puyallup, making a move in Kitsap County, or a military family using VA benefits near JBLM, understanding the bigger picture helps you buy with confidence. That's what I'm here for - as your neighbor and your guide here in the Pacific Northwest. 💙

Have questions? Let's connect!

📲 [email protected] | 425.876.4959

08/16/2026

08/16/2026

Third Beach in LA Push, Washington. Magical place, short Hike, and perfect for kids.

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08/16/2026

Exploring Washington and my geeking out a little on twlight.

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