Callie Watkins Mortgage Lender

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Spokane, WA
Callie Watkins Mortgage Lender

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Mortgage Expert in Spokane WA | NMLS #2143316
Sunflower Bank | Member FDIC - Equal Housing Lender
» Lending in 44 states!
» Motherhood, DIY, flips, & Investments
» I work the numbers, so you don't have to!

10/29/2026

🤯 SAME DREAM. DIFFERENT NUMBERS.

Let’s talk about why purchase price can matter SO much when buying a home.

🏡 $400,000 at 6.490% → ~$2,399/month
🏡 $360,000 at 7.375% → ~$2,362/month 🔥

That’s a $40,000 difference in purchase price for about $37/month in payment difference.

And over 10 years, that’s about $4,467 less in monthly payments with the lower-priced home.

This is why I tell buyers to look at the BIG picture, not just the interest rate.

The price you negotiate, the loan structure, your down payment, and your long-term goals ALL matter.

Don’t get so caught up in chasing the lowest rate that you overlook the opportunity to negotiate a better purchase price. 👏🏼 ++ if rates drop & you refinance in the future, you are officially double winning.

The goal isn’t just to buy a house. It’s to buy smart.
Let’s run the numbers before you make your next move!

[Assumptions: 5% down, 30-year fixed mortgage, principal and interest only. Excludes taxes, insurance, mortgage insurance, closing costs, and any APR-related fees. Figures are estimates.]

10/24/2026

Some days are better than others 🤪

10/22/2026

Nobody talks about how this time of the year always seems to be a buyers market. I’m not one of those hopping on the train and just saying it, we did it, my husband and I bought our home during this time last year. We bought our second home during this time & we scored a home $90,000 under list price. And got $25,000 worth of seller paid closing costs. So essentially we got $115,000 in our favor.
Before we made the offer, we told our realtor “sorry I know this might be embarrassing to submit” but it was what we were willing to pay for the home, and we had other options in the area we were looking, so we were like “ehh let’s see!” And they accepted it. We even had a 2 month close, strategically so our mortgage payment was 2 months after Christmas, and literally got everything we asked for.

The similarity between last year and this year, is the market naturally slows during this time. School starts, holidays creep in, people planning for Christmas, and no one wants to move when it’s cold. But the DIFFERENCE between this time last year and this year, is that there are SO MANY MORE listings - which creates an even bigger gap for negotiations & almost every buyer I have helped this season, has gotten exactly what they wanted on the first offer. To be a buyer right now, is 🔥.

If you’re curious what kind of loan programs are out there helping clients score lender credits on top of seller credits, more than happy to discuss. Shoot me a message or call me! Deals are to be made & would love to help guide you to them✨

10/13/2026

You guys. The opportunities for buyers right now are INSANE. 🤯 I’ve said it before, & I’m saying it again.

I’m seeing sellers offer thousands toward closing costs and rate buydowns, buyers negotiating prices DOWN, and way more room to negotiate than we’ve seen in a while.

And here’s what I want you to remember: You can refinance your rate later. You can’t go back and change what you paid for your house. HOWEVER, just a reminder this isn’t alone a financial strategy, this is a perk if the time comes. Plan accordingly.

So, don’t buy something you can’t comfortably afford. But if you’re financially ready, don’t overlook the opportunities happening right in front of you just because rates aren’t where you want them to be.

The goal is to get you into a home that makes sense for YOU, with the best strategy possible. 🤍

Curious what buying could look like for you right now? Message me! Let’s run the numbers and see what opportunities are out there.

Address

244 W Main Avenue
Spokane, WA
99201

Telephone

+15096884078

Website

http://www.sunflowerbank.com/CallieWatkins, https://mortgagecx.stratmorgroup.com/sunflowerbank/CallieWatkins, https://st

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