Cami Anthony, Loan Advisor

06/12/2026

What’s the real cost of waiting to buy? In just a few years, your mortgage insurance could be gone, and your home’s equity might have grown faster than you think. Let’s talk numbers and see if it’s your time!

06/12/2026

In this scenario, a $700K home with 3% down means about $282/month in mortgage insurance. After 2 years, you might have paid $6,768 in MI, but we’re assuming 3% annual growth, so you could have gained $42K in equity. In 5 years, that’s $16,920 in MI versus $105K in equity. Markets vary, but this shows how equity can outpace MI. Plus, with a conventional loan, MI could drop off between years 2 and 5. Let’s see what your numbers could look like!

06/11/2026

🏡 Realtors: How much confidence do you have in your buyer's pre-approval?

One of the biggest frustrations in our industry is discovering a documentation issue after a buyer is already under contract.

That's why I have access to technology that allows me to review a buyer's loan profile and supporting documentation upfront, often providing an initial approval in as little as 15 minutes for qualified borrowers.

The result?

✅ More confidence when writing offers

✅ Potential issues identified earlier

✅ Fewer surprises during the loan process

✅ Faster movement toward closing

This isn't just about speed. It's about certainty.

When possible, I can review documentation outside of traditional banking hours, helping buyers and agents move quickly when the right property hits the market.

If you have a buyer who needs a pre-approval, or a file you'd like a second set of eyes on, I'd be happy to take a look.

📞 Let's talk through the scenario and see how I can help.

06/10/2026

🏡 Want to build an ADU but don’t want to refinance your low mortgage rate?

You may not have to.

Many homeowners have built substantial equity over the last few years, and that equity could help fund:

✅ Backyard cottages

✅ In-law suites

✅ Home offices

✅ Rental units

✅ Multigenerational living spaces

A Home Equity Loan can provide a lump sum with a fixed payment, while a HELOC gives you flexibility to access funds as construction progresses.

The best part? You may be able to keep the low interest rate on your existing first mortgage.

Thinking about adding an ADU to your property? Let’s discuss your goals and explore your financing options.

06/08/2026

Here’s where we ended up with rates today. It wasn’t too bad. Happy Monday! 🤨🫣

View today's current mortgage rates with our national average index, calculated daily to bring you the most accurate data when purchasing or refinancing your home. Follow our daily market analysis with Mortgage Rate Watch and we'll tell you where and why rates are moving.

06/08/2026

📈 Why did mortgage rates jump this week?

Two major factors moved the market:

✅ A stronger-than-expected jobs report
✅ Ongoing uncertainty surrounding the conflict involving Iran

Both can contribute to inflation concerns, and inflation is one of the biggest influences on mortgage rates.

The result? Mortgage rates moved higher after reaching some of their better levels earlier this year. (Investopedia)

But before you put your homeownership plans on hold, remember:

🏡 Markets change every day.
🏡 Rates are only one piece of the puzzle.
🏡 The right financing strategy can often make a bigger difference than waiting for the “perfect” rate.

Whether you’re buying your first home, moving up, investing, or refinancing, let’s talk through your options and build a plan that works for your goals.

📩 Reach out anytime for a personalized mortgage review.

06/04/2026

🏡 Realtor & Lending Partner Update

Fannie Mae and Freddie Mac are updating their Area Median Income limits on June 13th.

Why should you care?

Because programs like HomeReady and Home Possible can provide valuable qualification advantages for some buyers, including:

✅ Lower down payment requirements

✅ Reduced mortgage insurance costs

✅ Potential income flexibilities

✅ Potential debt ratio flexibilities

✅ Expanded opportunities for buyers who may be right on the edge of qualifying

With the new income limits taking effect, some clients who were previously ineligible may now qualify for these affordable lending programs.

This is a great time to revisit buyers who:

• Thought they needed a larger down payment

• Were struggling with monthly payment affordability

• Were close to qualifying but fell just short

• Have paused their home search

Not every borrower will benefit, but for the right client these programs can be powerful tools.

If you have a buyer scenario you’d like me to review, I’d be happy to take a look and explore available options.

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06/02/2026

🏡 Important Update for Homebuyers

Some of the income limits used for popular first time homebuyer programs are changing on June 13th.

What does that mean?

For some buyers, these changes could open the door to new opportunities and savings. For others, waiting too long could mean missing out on benefits they currently qualify for.

Programs like HomeReady and Home Possible are designed to help eligible buyers purchase a home with lower down payment requirements and reduced costs.

The good news? Many people who think they don't qualify are surprised to learn they do.

If you're planning to buy a home in the next 6 to 12 months, now is a great time to see what programs may be available to you.

Send me a message and let's explore your options.

06/01/2026

🏡 Market Update: More Inventory, Stable Rates, and What It Means for Buyers

Mortgage rates have remained relatively stable this week, while housing inventory continues to grow in many markets.

More homes for sale means buyers may have more choices, less competition, and potentially more negotiating power than we’ve seen in recent years.

At the same time, global events and oil prices are still influencing the bond market, which plays a major role in where mortgage rates go next.

The market is constantly changing, but one thing remains true: having a strategy matters.

Whether you’re buying your first home, investing, refinancing, or simply exploring your options, I’m always happy to help you understand what today’s market means for your goals.

📍Serving Everett, Snohomish County, and all of Washington State

HomeBuying MortgageBroker RealEstateInvesting FirstTimeHomeBuyer MarketUpdate Homeownership EverettCommunity

05/29/2026

☀️ Summer Class Lineup is Here! ☀️

Ashley and I have some exciting classes coming up over the next few months, and whether you’re dreaming about your first investment property, exploring ADUs, or figuring out how to buy a home when you’re self-employed, we’ve got something for you.

One of the things I love about teaching with Ashley is the depth of knowledge she brings to every class. As a local real estate professional, investor, and community advocate, she has a talent for making complex topics approachable and actionable. Together, our goal is to help you understand your options, build a plan, and move forward with confidence.

📅 Upcoming Classes

🏡 ADU Blueprint
June 14 | 12:00 PM to 1:30 PM

💰 First Time Real Estate Investing
June 26 | 5:30 PM to 8:00 PM

🏡 First Time Real Estate Investing
July 12 | 1:30 PM to 4:00 PM

🏘️ ADU Blueprint 2
July 17 | 5:30 PM to 8:00 PM

📊 Self-Employed Buyers Workshop
August 23 | 1:30 PM to 4:00 PM

🚀 Advanced Investing Strategies
August 28 | 5:30 PM to 8:00 PM

Whether you’re looking to create additional income with an ADU, buy your first investment property, navigate homeownership as a business owner, or take your investing strategy to the next level, we’d love to have you join us.

Keep an eye out for more details, registration links, and class highlights coming soon. We can’t wait to learn, connect, and grow with our community this summer!

DM me for details or call 425-314-2219!