Tracy Windhorst - Loan Officer NMLS#487563

05/26/2026

Something important has been on my mind lately and I want to share it because it could directly affect a lot of people in our community.

Credit card debt levels have exploded and the delinquency rate on credit card payments has climbed to 13.1 percent. These are numbers matching levels we saw during the Great Financial Crisis, and what makes this especially alarming is that we are currently in a relatively healthy employment market with unemployment running around 4.3 percent. That combination is a serious warning sign. If delinquencies are rising this fast during good employment conditions, the situation could get significantly worse if the job market weakens.

If you are carrying high credit card balances right now and feeling the pressure of those payments, there are real financial tools and strategies that can help you get control of that debt, lower your monthly obligations, and put yourself in a position to qualify for a mortgage down the road if that is part of your plan.

And if you already own a home, the appreciation we have seen over the past five to ten years may have given you significant equity that could be used in a debt reduction refinance scenario to consolidate that high-interest debt at a much lower rate.

Please reach out and let's have that conversation. I would love to help. Take care.

01/20/2026

Feeling more optimistic about 2026's housing market! If you have been hanging on the sidelines waiting to buy, give me a call and we can review your buying strategy.

11/03/2025

I am committed to getting you into your dream property! I am at a 3 day virtual event and will report back to you with what I have learned!!

05/29/2025

Congratulations to Christopher and Tuesday and their amazing family! They just closed on their first home purchase! Your perseverance to make the American dream come true has paid off!

03/07/2025

From no rent increases to building equity to being able to decorate any way you like, it’s nice to have a place you can call your own. And not help pay your landlord’s mortgage. Let’s talk and see how much home you can afford.

http://hhlnorthwest.com/tracywindhorst/

03/06/2025

Thanks Peter for being an amazing client and we wish you the very best in your new endeavors!

03/06/2025

Don’t let multiple loans slow you down. Our One-Time Close Construction Loan simplifies everything, from start to finish, all in one loan.

http://hhlnorthwest.com/tracywindhorst/

03/05/2025

Client's moving out of state?

http://hhlnorthwest.com/tracywindhorst/

02/27/2025

If you think 2025 is going to be any different and we are in another housing bubble, think again. With rates falling steadily over the past few weeks, the spring market is going to be happen early. Don't wait to get into pricing wars and multiple offer situations. If you are looking to buy and you've been waiting for rates to improve, the time is now. There are still sellers that are paying closing costs and there are some good deals to be found. Going way back to 1942, Case-Shiller's national home price index has risen in 77 out of 83 years. That's a 93% hit rate for appreciation, with average annual home price growth of 5.4%.

Going way back to 1942, Case-Shiller's national home price index has risen in 77 out of 83 years. That's a 93% hit rate for appreciation, with average annual home price growth of 5.4%.

02/27/2025

This is for all VA loans!