Bill Black Mortgage Consultant #49242

05/22/2026

Thinking about buying a home? We look beyond just the price tag. By analyzing your assets, retirement, and debts, we can strategically position your down payment and credit card debt to help you qualify for more home. Imagine getting the same payment for a significantly better house.

05/12/2026

Very fortunate to work with this young couple that had their ducks in a row and were ready to buy a home....from start to finish took less than 2 weeks!

Another successful closing. Another strategic acquisition. 🏡

Purchasing a first home presents unique challenges, particularly in today's competitive environment. 🗝️ We apply our deep-rooted local expertise and dual proficiency in mortgage and real estate to anticipate obstacles and deliver effective solutions before they arise. 🏠

Navigating the dynamic Clark County market requires precision and foresight. 🫱🏻‍🫲🏻

Contact me today at
(503) 707-7011
[email protected]

05/06/2026

Waiting for Mortgage Rates to Drop?

NEW PURCHASE PROGRAM OPTION 🏡

A new temporary buydown option may help eligible buyers ease into homeownership with a lower payment during the first year of the loan.

Even better: NO COST TO BUYER OR SELLER

The cost of the 1-0 temporary buydown is covered through a lender-paid credit on eligible loans.

Program Highlights:
• Lower effective payment in Year 1
• Lender-paid temporary buydown credit on eligible loans
• Available on eligible agency purchase loans
• Fixed and adjustable-rate options available
• Terms from 8–30 years
• Purchase transactions only
• Available on new locks through June 30, 2026

Example Scenario:

A qualified buyer purchases a home using this temporary buydown option. During the first year, the payment is calculated using a rate that is 1% lower than the note rate before adjusting to the full note rate in year two.

This can help create additional short-term payment flexibility while settling into a new home.

Potential fit for:
✔ First-time buyers
✔ Buyers relocating or upsizing
✔ Clients expecting future income growth
✔ Buyers wanting additional first-year flexibility

Every buyer’s situation is different. Qualification, income, credit, property eligibility, and underwriting guidelines apply. Program availability subject to change.

Mortgage Broker | NMLS #49242
Licensed in WA & OR

04/15/2026

Curious about buying property with minimal upfront cost? Explore how to secure your next home with just 5% down, discover creative financing, and get actionable 2025 tips.

04/02/2026

Discover unparalleled luxury at 35001 Ne 91st Ave, LaCenter, WA. This sprawling estate boasts 6460 SqFt, 5 beds, 6 baths, a sauna, and a stunning outdoor living area with a hot tub, all set on a picturesque lake. Priced at $1,225,000.

03/31/2026

House hunting can take time, and rates don’t always wait. Some loan programs allow buyers to lock their rate while they search. If you’re planning to buy in Hermiston, Pendleton, the Tri-Cities, or Arizona, I’m happy to explain how it works.

03/29/2026

Buying your first home doesn’t have to feel overwhelming. There are programs designed to help first-time buyers get started. If you’re considering Eastern Oregon, the Tri-Cities, or Arizona, feel free to reach out and we can walk through what may be available. 🏡

03/28/2026

In real estate, timing matters. Having your financing lined up early can help speed up a purchase or refinance. If you’re buying or refinancing in Eastern Oregon, the Tri-Cities, or Arizona, feel free to reach out and we can walk through your options.

03/27/2026

Quick homebuying tip: a strong credit score can translate into better loan terms and potential savings over the life of a mortgage. If you’re buying in Eastern Oregon, the Tri-Cities, or Arizona, feel free to reach out and review your numbers. 📊🏡