Jared Herling MLO 2311675

We have a great 0 down program available.

Did you know June is National Homeownership Month — We DID! During the month of June we will be focusing on local homeownership in the communities we serve. 🏡✨

Spokane is buzzing with excitement this June, from the lively Riverfront Eats events on the Howard St Bridge, to the soothing outdoor yoga classes offered by hot yoga at Riverfront Park. As the community gathers at farmers' markets and local festivals, there's a growing awareness of the benefits of working with local mortgage brokers. At Shout Mortgage, we understand the unique needs of Spokane residents, offering personalized service and local expertise. We're more than just lenders; we're your neighbors, committed to helping you achieve homeownership smoothly and quickly, without the hassle of big banks. Experience the difference of local, community-focused service with Shout Mortgage!

Your financial situation is unique and your mortgage should reflect that. Unlike a retail bank, we provide personalized service, tailored to your individual needs. Reach out today.

Ready to swap your landlord for a house of your own? I'll give you all the information you need on down payments and closing costs, so you can live your dream in your own home. Connect with us!

Now I know why they call it tornado alley.

Some perspective:

Ready to Buy Your First Home? Don't Repeat Your Friends' Mistakes! 🏡✨ Message me NOW to Uncover the Simple Steps to Stress-Free Home Buying. Let's Turn Your Dream into Reality!

When you rent, you’re paying someone else’s mortgage. DM me to find out how you can start building equity as a homeowner. It’s not as expensive as you might think.

Looking for an expert who knows exactly what you' want in a neighborhood? I'm invested in this community and can help you find the perfect match. Let's chat!

Celebrating and honoring our heroes today. We hope all of you have a safe holiday weekend!

Dreaming big? With borrowing limits that surpass conventional loans, a jumbo loan could be the ticket to your forever home. Call me today!

Thinking about buying a home but not sure where to start? We can walk you through everything you need to know, even if you're just beginning the process. Contact me to take the first step toward homeownership!

Hey everyone. We just rolled out a new loan program! 0% down 30yr fixed Conventional 😎 We have an income cap option, and even more exciting, a non-income cap option! This program covers up to $15,000 in down payment assistance....imagine being pre-approved for $500,000 and not having to bring a down payment 😱 Also, being a first time home buyer is NOT a requirement...game changing!! Reach out to me for more info!
I am licensed in Washington, Oregon, Idaho, and soon to be Colorado.

Beautiful home in Oregon.

Our doc-less mortgage process is like a fairy tale come true - minus the wicked witch and the tricky riddles. Just a smooth sail on a paperless boat to the house of your dreams! Contact me today and lets make your home buying fairytale a reality.

Mid week reminder

Hate moving? Me too!

Unfortunately, you'll be moving much sooner when you use Shout Mortgage to handle financing your home loan.
Contact me today to get pre-approved, and don't worry, we have great suggestions for local movers.

Do you have a FHA or VA loan with a rate higher than 6.5% We have a great program that just started today. Rates starting at 5.749%!! Call me for details. 509-939-6894

1% down payment program available from your friendly local Loan Officer!

Have a great weekend

Puppy photo of the day

Great news for your borrowers! With UWM, you can take advantage of expected 2023 conforming conventional and VA loan limits starting today. No need to wait for the announcement in November — we’re honoring the new higher limits now. https://bit.ly/3DpmIMb

Unique borrowers often require specialized solutions. That’s why we provide a variety of non-agency products to match their needs. https://bit.ly/31pStEg

Independent mortgage brokers are the ultimate advocate for borrowers. Bottom line is, we can save the customer thousands.

What if I were to tell you higher rates have benefits for home purchasing?

Think back just 12 months agohomes were being purchased for well over askpurchasers had to cover the appraisal gaphome inspections were waived in many transactions

All for what? A lower rate.
Rates were in the 2s and 3sNo buyer protection in valueNo protection for potential issues and repairsOver paying for propertySaved on monthly house payment

Here is what home buyers get with higher rates.

More competitive home values
More inventory
Able to negotiate on appraisal should value come in low
Home inspections to identify underlying issues

So what does this all mean?

Last year, home owners were paying over ask and jumping in to purchases with little protection. Today, they have that protection. So what is the true cost?

If you saved $50,000 in up front purchase price it would take 15 years to break even compared to buying at a rate that is 2.25% lower on a $400,000 house.

Bottom line is if you are in the market, now isn’t a bad time. Could prices come down further? Absolutely. Could rates go up more? Also true. The market is starting to balance.

Game On pricing has been a big success. Check out this week’s In The Spotlight for some pro tips on how to take back the buyers’ market. https://bit.ly/31pStEg

Now is the time to make sure you pick the right loan officer. Closing on time is essential to being competitive with your offer. Call or message me to start the approval process.