The LaFlamme Group Powered by Movement Mortgage

The LaFlamme Group Powered by Movement Mortgage NMLS #396723
We're a community created to share ideas and help facilitate the dream of homeownership I created our team to serve you.

Having helped thousands of local homebuyers realize their dream and secure a more prosperous future for their families, I understand the complexities of our local real estate and lending market and have the tools to help you succeed! My commitment to you is that my team WOW you every step of the way. As a 10 year Army Veteran, I know what it takes to serve. That is exactly what we’re here to do; serve you.

For the 8th year in a row!!! This is all due to the people who trusted us with their clients, and the team who knock it ...
04/01/2026

For the 8th year in a row!!!

This is all due to the people who trusted us with their clients, and the team who knock it out of the park everyday.

I’m just here to take the credit 😏💅🏽

01/06/2026

I just asked him where he worked…

Realtors — here’s a game-changer for your buyers.🏡 House-hacking isn’t new. But being able to use downpayment assistance...
08/28/2025

Realtors — here’s a game-changer for your buyers.

🏡 House-hacking isn’t new. But being able to use downpayment assistance to buy a duplex? That’s next-level.

Your buyers can live in one unit, rent the other, and have tenants help pay the mortgage — all while using

That’s not just homeownership… that’s generational wealth-building.

DM me for more info

Consistency + Preparation = Peace of Mind. And remember: You don’t always need 20% down to buy a home.The biggest take a...
08/19/2025

Consistency + Preparation = Peace of Mind. And remember: You don’t always need 20% down to buy a home.

The biggest take away is the first, best, step you can take toward homeownership is to call us early!

Every family we help has a story. Every person we are fortunate to come alongside during their journey is writing a new ...
08/15/2025

Every family we help has a story.

Every person we are fortunate to come alongside during their journey is writing a new chapter in their story.

It never gets old helping people write this chapter of their story.

I made a client cry.I didn’t expect it, and it broke me.She was a single mom getting out of the Navy.Another lender had ...
07/29/2025

I made a client cry.

I didn’t expect it, and it broke me.

She was a single mom getting out of the Navy.

Another lender had pre-approved her, then rejected her when she found a home.

She’d already given notice on her apartment.

No backup plan.

She had nowhere to go with her daughter.

The realtor called us desperate: “Can you save this?”

Looking at her file, I saw potential.

We moved her from a standard VA loan to a VA Bond program with a lower rate.

But the real magic happened next.

You see, VA loans allow sellers to pay off buyer’s consumer debt.

The seller was already covering her closing costs.

So we structured it differently:

We used the down payment assistance to cover closing costs.

Then we used the seller credit to completely pay off her car.

$700 per month back in her pocket.

When we got on that Zoom call to tell her the news, I said:

“Not only are you approved for the home, but your monthly payment is lower and we’re paying off your car, too.”

She froze.

Then the tears started.

I’ll never forget what she said:

“I don’t have to worry about where my daughter will sleep anymore.”

That’s when I lost it too.

In that moment, this wasn’t about rates or commissions.

It was about watching the weight lift from a mother’s shoulders.

About knowing her daughter would have stability.

That single Zoom call reminded me why I do this.

It’s not just homes we’re providing.

It’s peace of mind.

It’s a future.

It’s hope when there was none.

Let’s rethink the refinance. It’s not always about chasing the lowest rate - it’s about improving your financial positio...
07/15/2025

Let’s rethink the refinance. It’s not always about chasing the lowest rate - it’s about improving your financial position. DM ‘Refi’ for more info.

We’ve helped our buyers obtain over $1.5 MILLION DOLLARS in down-payment assistance and over $150,000 in debt payoff so ...
07/02/2025

We’ve helped our buyers obtain over $1.5 MILLION DOLLARS in down-payment assistance and over $150,000 in debt payoff so far this year!

Who’s next?

11/07/2024

Don't get fooled into thinking a 25bps cut today will drop rates tomorrow.

You're going to see a lot of lenders and Realtors talking about The Fed cutting by .25% today and that it means rates will come down.
IT DOESN'T.

That's not how it works. That's not how it's ever worked. And if you've been following me since the Great Recession, you already know that.

Don't get fooled into thinking a 25bps cut today will drop rates tomorrow.

The market rally halted the day The Fed cut at their last meeting (like we told you it would).

The market rally reversed on stronger-than-expected jobs numbers in early October (we've been hammering home the importance of the strength of the job market and Powell talked a lot about it at his last presser).

The dot plot is still the dot plot from the last meeting. THIS CUT IS AND HAS BEEN EXPECTED.

Don't get fooled into thinking a 25bps cut today will drop rates tomorrow.

Pay attention to how Powell talks about where they see rates into the future, how they interpreted the last couple months' jobs numbers, whether or not their still confident that inflation is under control, etc.

Rates are having a good day, today, due to weaker than expected jobs numbers, and after a bad day post-election.

SO MUCH affects mortgage rates and the Fed Funds Rate, itself, is in the middle of the pack.

Don't get fooled into thinking a 25bps cut today will drop rates tomorrow.

08/05/2024

The market is now pricing in a 100% chance of 125bps in rate cuts by January (63% that it happens by December).

IT'S JOBS WEEK!!!!!JOLTs tomorrow; we've been steadily declining all year, and have a pretty low expected number, giving...
07/29/2024

IT'S JOBS WEEK!!!!!

JOLTs tomorrow; we've been steadily declining all year, and have a pretty low expected number, giving us a high bar to beat.

Period Release Date Actual JOLTs number
May 7/2/24 8.14M
Apr 6/4/24 8.059M
Mar 5/1/24 8.488M
Feb 4/2/24 8.756M
Jan 3/6/24 8.863M

A number that starts with a 7 would be GREAT for rates! Helping us continue this nice, easy, downward trend we've been on

Address

711 Saint Helens Avenue Suite 100
Tacoma, WA
98402

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12538634964

Website

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