Darci Kivalu Mortgage Loan Officer

Darci Kivalu Mortgage Loan Officer Empowering Dreams One Home at a Time. Every customer, every time, no exceptions, no excuses. Darci Kivalu | NMLS ID # 1021077
Branch NMLS ID # 2592991

I would scream this from the rooftops if I could!A girl who grew up in a three bedroom apartment and a humble immigrant ...
03/11/2026

I would scream this from the rooftops if I could!

A girl who grew up in a three bedroom apartment and a humble immigrant from Tonga did this exact thing. Your first home is NOT your dream home for most people. It is your stepping stone into real estate and building generational wealth. 🙌🏼🙌🏾

https://www.instagram.com/reel/DVgpgtQDtht/?igsh=b3kwM2Z1andpMmw1

01/06/2026

🍂 Why Fall & Winter 2025–26 May Be Your Best Bet to Buy a Home 🏡✨

Thinking about buying soon? Believe it or not — this season might be one of the smartest times to make a move. As demand cools, your negotiation power warms up.

✨ Here’s why (and the data behind it):

✔️ Inventory is rising — many markets now have more homes for sale than last year.

✔️ Less competition = more leverage — cooler months bring fewer buyers, which often leads to better pricing and less bidding-war stress.

✔️ Seasonal savings — according to Navigating the Housing Market: A Seasonal Perspective, homes are historically ~16% more expensive in summer than winter.

✔️ More time to shop & negotiate — without peak-season frenzy, buyers typically have more flexibility and stronger negotiating positions.

✔️ Bonus reading you can search:

• 4 Reasons Why This Fall Is the Ideal Time to Buy a House — outlines why Fall/Winter 2025 is shaping up to be buyer-friendly.

• Market Update: December 2025 — highlights rising inventory, easing mortgage rates, and improving affordability.
(Or DM me DATA and I’ll send everything directly!)

If you’re curious how this plays out locally — in our city or neighborhood — Darcy and I would love to review your numbers, timing, and affordability options. Send us a DM to chat. 🔑✨

Dreaming of a new home for the holidays? HomeFundIt™ makes it possible! 🎁Let the people who love you most help you take ...
12/17/2025

Dreaming of a new home for the holidays? HomeFundIt™ makes it possible! 🎁
Let the people who love you most help you take the next step toward homeownership. 🏠💛

Between hosting holiday guests and running errands, home security matters more than ever. Make sure doors and windows ar...
12/16/2025

Between hosting holiday guests and running errands, home security matters more than ever. Make sure doors and windows are locked, don’t leave packages outside for too long, and double-check smoke detectors if you’re using lights or candles. Safety first this season!

Deck the halls… not your credit cards! 🎁A HELOC could be a smart way to cover holiday expenses without piling on high-in...
12/12/2025

Deck the halls… not your credit cards! 🎁
A HELOC could be a smart way to cover holiday expenses without piling on high-interest debt.
Reach out today and let’s talk options!

Looking for a holiday gift that actually helps build your future? 🏡HomeFundIt™ lets family and friends contribute to you...
12/11/2025

Looking for a holiday gift that actually helps build your future? 🏡
HomeFundIt™ lets family and friends contribute to your down payment, and even offers a matching grant for qualifying buyers💰
Here’s how:
http://spr.ly/6183C8s4W

Winter weather says “bundle up,” but your homeownership goals don’t have to chill. ❄️Let’s talk about your next move, 🌨️...
12/10/2025

Winter weather says “bundle up,” but your homeownership goals don’t have to chill. ❄️
Let’s talk about your next move, 🌨️ snow or shine! ☀️

Holiday shopping can be fun, but remember that your spending habits impact your credit score. Keep your credit in top sh...
12/09/2025

Holiday shopping can be fun, but remember that your spending habits impact your credit score. Keep your credit in top shape for future home financing!

Dash through the market with confidence! 🦌We've made our list and checked it twice, follow these steps to make home buyi...
12/08/2025

Dash through the market with confidence! 🦌
We've made our list and checked it twice, follow these steps to make home buying nice!

Ready to find out if your home buying habits are naughty or nice? 👀Swipe through, then let’s sleigh your goals together....
12/05/2025

Ready to find out if your home buying habits are naughty or nice? 👀
Swipe through, then let’s sleigh your goals together. 🏡✨

Thinking about buying a home before the year wraps up? 🎁 From motivated sellers to fewer bidding wars, winter can come w...
12/04/2025

Thinking about buying a home before the year wraps up? 🎁 From motivated sellers to fewer bidding wars, winter can come with real advantages. Here are 5 benefits to buying before the end of the year: http://spr.ly/6184746T2

Address

901 1st Street, Suite 3A
Snohomish, WA
98290

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