Chad Kubik - Banner Bank Home Loans

05/25/2026

This Memorial Day, we pause to remember the fallen—and the families who carry their legacy forward.

05/23/2026

In today’s market, more sellers are open to offering concessions to help close the deal. From covering closing costs to buying down your rate, these tactics can make a real difference in your monthly payment and upfront costs.

Want to know how to ask for them? Let’s strategize.

04/17/2026

Not all negotiations are created equal. A price reduction lowers your loan amount—but a seller credit toward buying down your rate or paying closing costs can be more impactful on your budget. In today's market, many sellers are open to it. Ask me how this strategy could work for you.

02/24/2026

Spokane, you made the list! The latest insights on the U.S. housing markets indicate that lower mortgage rates and better affordability could give sales a major lift in markets like Spokane. Curious which other markets are expected to thrive in 2026? Check out this article.

New NAR analysis points to housing markets where the data shows home sales will likely be liveliest in the coming year.

01/19/2026

Today we celebrate the power of service—the heart of every strong community. As a loan officer, helping people find a place to call home is just one of the ways I aim to serve my community.

01/16/2026

New year, new momentum. These small steps can move you closer to homeownership in 2026. Ready to get started? Let’s talk strategy.

11/15/2025

Think you need 20% down to buy a home? Many home loans allow you to purchase with little to no money down.

Let's explore what options work for your budget. DM me today to get started!