Stacy Jordan, NMLS #97039

Stacy Jordan, NMLS #97039 Stacy Jordan
I am a VP of Mortgage Lending at Guaranteed Rate Affinity
NMLS 97039 | GRA NMLS 1598647 CA-DBO/MLO – 97039, NMLS/ID-MLO-19786, NV and OR and AZ

08/20/2026

The hardest part of rent versus buy is that both options can be sensible and both can become expensive when chosen without a plan.

Renting may protect flexibility while you strengthen savings or clarify where you want to stay.

Buying may create stability and control when the payment, cash reserve, and time horizon work together.

The useful question is not “Which one builds equity?”

It is: “Which twelve-month plan leaves me in a stronger position for the life I am actually building?”

Save this before signing the renewal or opening listings.

Send it to someone who needs to see this.



— Steve and Stacy, your go-to mortgage brokers in 9 states - WA, OR, ID, CA, NV, AZ, CO, MT, Fl





mortgagelender

08/19/2026

For a cleaner earnest money paper trail:



Pay from an account that can be documented
Keep the receipt or transfer confirmation
Save the canceled check when applicable
Tell the mortgage professional before using funds from another person


Third-party funds may require additional documentation, so ask before the deadline forces a rushed decision.

Save this before submitting your deposit.

Send it to someone who needs to see this



— If we haven’t met yet, we are Steve and Stacy, your go-to mortgage brokers in 9 states WA, OR, CA, ID, NV, AZ, CO, MT, FL



• earnest money documentation • mortgage documentation





08/17/2026

Here is the fuller illustration:



30-year interest rate: 6.11%

Down payment: 3.5%

Annual FHA mortgage insurance: 0.55%

Closing costs and prepaids: estimated at 2%–5%



-> $350K HOME
Down payment: $12,250

Estimated cash to close: $19,250–$29,750

Monthly payment: about $2,080/month

(Includes principal, interest, and mortgage insurance)



-> $500K HOME
Down payment: $17,500

Estimated cash to close: $27,500–$42,500

Monthly payment: about $2,972/month

(Includes principal, interest, and mortgage insurance)



-> $700K HOME

Down payment: $24,500

Estimated cash to close: $38,500–$59,500

Monthly payment: about $4,161/month

(Includes principal, interest, and mortgage insurance)



Taxes, homeowners insurance, HOA, flood insurance, lender fees, points, and credits are not included in those monthly figures.

Rates and fees change daily. Get a local written Loan Estimate before using these numbers to choose a budget.



— If we haven’t met yet, we are Steve and Stacy your go-to mortgage brokers in 9 states WA, OR, CA, ID, NV, AZ, MT, CO, FL





08/17/2026

The Venmo memo says “rent” and suddenly we are calling it income. 😅

Seeing money deposited into your account does not automatically make it qualifying mortgage income.

A lender may still need to verify:

Where the money comes from
Why you receive it
How consistently you receive it
Whether it meets the loan program’s guidelines

So no, adding 🏠 💵 to the memo line will not turn random transfers into a pay stub.

Send this to the friend whose Venmo history looks like a second job.



— If we haven’t met yet, we are Steve and Stacy, your go-to mortgage brokers in 9 states - WA, OR, CA, NV, AZ, ID, MT, CO, FL



• mortgage income documentation • qualifying income for a mortgage





08/15/2026

No calculator. No spreadsheet. Pick with your gut first. 👀

Rates drop 1%
Seller pays closing costs
Credit score jumps to 800
First year of mortgage payments is covered
Which one are you choosing?



— Stacy Jordan and Steve Coupe, your go-to mortgage broker in 9 states WA, OR, CA, NV, AZ, ID, CO, MT, FL





08/14/2026

Bank statements can make buyers nervous because ordinary life does not always arrive in neat, lender-ready categories.

A transfer from savings, money from family, a payment-app deposit, or one unusual transaction is not automatically a problem. It may simply need the right paper trail.

Send this for later.

Send it to someone who needs to see this.



— Steve and Stacy, your go-to mortgage brokers in 9 States - CA, WA, OR, ID, AZ, NV, ID, FL, MT, CO



• mortgage bank statement review • home loan documents





08/13/2026

The stressful part of a kitchen remodel is rarely choosing the backsplash.

It is realizing halfway through that disposal was not included, the electrician found work outside the allowance, the cabinet delivery moved, and nobody explained who approves the extra cost.

A strong contractor conversation makes the invisible parts visible before demolition begins: scope, exclusions, products, permits, payments, changes, and delays.

Save this list before the first estimate and compare the answers, not only the final price.



— Steve Coupe and Stacy Jordan your go-to mortgage broker in 9 states. WA, OR, CA, NV, AZ, MT, CO, FL, ID





• kitchen remodel questions • home renovation planning





08/12/2026

If saving for a home feels slower than you expected, that does not mean you are lazy or bad with money.

Rent, education costs, debt, groceries, and everything else compete for the same paycheck. The answer is not more shame. It is a plan built around your actual numbers and timeline.

Comment “PLAN” if you want help finding a realistic first step.



— Stacy Jordan and Steve Coupe, your go-to mortgage brokers in 9 states. WA, OR, CA, ID, NV, AZ, CO, MT, FL





-stateMortgageBroker

07/26/2026

The wrong paint color might bother you every time you walk into the room.

The wrong mortgage advice can bother your budget every single month.

That is why the loan conversation deserves more attention than buyers sometimes give it.



— Steve and Stacy, your go-to mortgage broker in 9 states - WA, OR, ID, AZ, NV, CA, CO, MT, FL





Address

9414 Ridgetop Boulevard #103
Silverdale, WA
98383

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+13602655597

Website

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