Standard post published to Wave Lending Group #21751 at October 31, 2023 16:01

A 15-year fixed mortgage is a form of home loan with a steady interest rate, requiring repayment over a 15-year period.

Due to its brief duration, the monthly payments will be higher. Despite this, the 15-year fixed mortgage has lots of advantages:

Lower interest rates that save you money
Quicker equity buildup
Reduced interest payments compared to longer-term loans
Quicker homeownership
Fixed, predictable monthly payments that simplify budgeting
Better resale value
financial stress in the long term

Selecting a 15-year fixed mortgage can be a clever financial move for people who can afford the higher monthly payments and seek to build equity and save interest in the long run.

However, many borrowers choose a 30-year fixed mortgage because there is not a big difference in interest rates.

If you live in Sumner, call Wave Lending Group to understand the differences between the programs. We offer competitive rates and a simplified process for both 15-year and 30-year fixed mortgages.

Our expert team will help you to choose the best home loan based on your needs, so contact us today!

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Standard post published to Wave Lending Group #21751 at October 30, 2023 16:02

Wave Lending Group is in the mortgage industry, based in Puyallup, WA.

Our services include home and refinance loans for every client, including VA loans, 30-year fixed mortgages, 15-year fixed mortgages, adjustable-rate mortgages, Federal Housing Administration loans, Jumbo loans, and USDA loans.

Here is why you should ask help from Wave Lending Group:

In-depth Expertise: With thorough knowledge of the mortgage landscape, our team guides you to make informed decisions.

Diverse Loan Solutions: We offer an array of mortgage products, such as VA, FHA, and conventional loans, tailored to your specific requirements.

Competitive Rates: Benefit from our low mortgage rates, saving you money throughout your loan term.

Effortless Process: Our streamlined approach ensures an efficient and smooth mortgage experience.

Client-Centric: For our team, you're not just a client; you're an integral part of our community. We're dedicated to your financial well-being.

When it comes to buying your ideal home, trust Wave Lending Group for top guidance and personalized solutions. Your homeownership journey starts here. Contact us today!

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Standard post published to Wave Lending Group #21751 at October 29, 2023 16:00

Imagine holding the keys to your dream apartment. Yet, the journey to homeownership is often a complicated maze. This is where mortgage loan brokerage businesses step in as your trusted advisors to turn dreams into reality.

These professionals are your financial allies, with an intimate knowledge of the mortgage landscape. They're not just brokers; they're dream facilitators.

Mortgage brokers open doors to a world of mortgage options. They're matchmakers, finding the perfect mortgage to suit your requirements - conventional, FHA, VA, or jumbo loans.

Beyond choices, they save you money. They're champions of interest rates, negotiating the best deals for you.

Time is of essence, and mortgage brokers are your time-saving wizards. They handle the legwork, letting you focus on your future home.

In the ever-changing real estate market, brokers expedite your plans. They streamline the process, reducing delays.

Credit concerns? Mortgage brokers can sort problems out. They help you qualify for mortgages you thought that were out of reach.

If you want to secure financing to buy a home, call Wave Lending Group - your reliable mortgage broker in Puyallup, WA!

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Standard post published to Wave Lending Group #21751 at October 28, 2023 16:00

How much does it cost to work a mortgage broker?

Potential clients often ask about the costs associated with asking for a mortgage broker's services.

Mortgage brokers can get compensation through various channels, including lender-paid commissions or borrower-paid fees. It's important to have an open discussion with your broker at the outset to fully comprehend any potential expenses involved in the process.

Lender-paid commissions typically mean the broker is compensated by the lender, which may result in a slightly higher interest rate for the borrower. Conversely, borrower-paid fees involve direct payments to the broker for their services.

The particular costs can vary based on factors, such as:

the intricacy of the mortgage deal
the broker's policies

However, the valuable expertise and access to an extensive variety of loan products that brokers provide can often outweigh any relevant fees, potentially leading to more cost-effective and customized mortgage solutions.

Wave Lending Group in Puyallup is a mortgage broker offering low purchase and refinance loans. For more information, check out our website or give us a call today!

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Standard post published to Wave Lending Group #21751 at October 27, 2023 16:02

Milton, Washington, located at the center of Pierce County, offers a charming blend of suburban tranquility and accessibility to urban amenities. Discover Milton by exploring the following places:

Milton Community Park (or Triangle Park) - A beautiful park with walking trails, recreational areas, and areas for picnicking, perfect for a day outdoors.
Foss Waterway Seaport - Located nearby in Tacoma, this maritime museum showcases maritime history of the region, making for an informative and enjoyable visit.
Pioneer Farm Museum - Travel back in time and experience rural life in the 1880s with guided tours and interactive exhibits.
Northwest Trek Wildlife Park - Just a short drive away, this wildlife park allows visitors to observe native Northwest animals in their natural habitats.
Point Defiance Park - Explore stunning gardens, hiking trails, and the Point Defiance Zoo & Aquarium, providing fun for the whole family.

For those considering homeownership in Milton, Wave Lending Group in nearby Puyallup is your trusted mortgage broker, providing expert assistance on home loans tailored to your needs.

For more information, give us a call today to arrange an appointment!

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Standard post published to Wave Lending Group #21751 at October 26, 2023 16:01

A 30-year fixed mortgage is a different type of home loan with a steady interest rate for 30 years, offering stability and monthly payments that remain constant.

It's a popular choice among homebuyers who intend to stay in their house for more than a duration of 7 years because it offers lesser monthly payments than shorter-term mortgages like 15-year home loans.

While thirty-year fixed-rate mortgages may carry somewhat higher interest rates than 15-year mortgages, the extended repayment period of 30 years results in reduced monthly payments, making it easier for borrowers to qualify.

Hence, obtaining approval for a 30-year fixed mortgage is typically simpler than for a fifteen-year home loan.

Borrowers with good credit, steady income, and a low debt loan can easily get a thirty-year fixed-rate home loan.

Wave Lending Group in Puyallup provides 30-year fixed mortgage loans. Our team's mission is to help with every step of the thirty-year fixed-rate home loan and then direct you throughout the application and approval process, making it more convenient and painless.

Contact us today to make homeownership accessible and affordable for you!

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Standard post published to Wave Lending Group #21751 at October 25, 2023 16:01

Are you in search of a mortgage broker in Puyallup?

Wave Lending Group is an expert in mortgages specializing in real estate and refinance loans.

Committed to empowering our customers, our local mortgage brokerage company goes beyond the typical role of a lender.

Our mission is to deliver consistent value while helping customers apply strategies that accumulate wealth, reduce debt, and decrease monthly expenses.

Wave Lending Group prioritizes monetary stability and wealth for each individual. Our experienced team assists in acquiring competitive mortgage options and provides invaluable guidance on optimizing financial choices.

With us, obtaining a home loan is more convenient than any other lender. For instance, we provided tools, such as Home Value Report, pre-qualified letter, refinancing evaluation, and mortgage estimator, to help you estimate the value of your property, find a reduced mortgage payment, and get pre-approval for a home loan and a refinance analysis.

If you're looking for a mortgage lender in Puyallup, reach out today!

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Standard post published to Wave Lending Group #21751 at October 24, 2023 16:02

Do you know what a mortgage loan is?

A mortgage is a financial instrument that makes possible the acquisition of real estate, usually a residence. It is a lawful and binding contract between a borrower and a lender, typically a bank or a financial institution, in which the lender provides funds to the borrower to acquire real estate. In return, the borrower agrees to repay the loan over a specified period, commonly 15 to 30 years, together with interest.

Mortgages are secured loans, meaning the property itself serves as collateral. If the borrower fails to make the predetermined payments, the lender has the legal right to claim ownership of the property through an established process known as foreclosure.

Mortgages come in various types, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), and government-backed loans like FHA and VA loans. Each type has its conditions and terms, interest rates, and eligibility criteria, making it crucial for borrowers to choose the type that aligns best with their financial situation and goals.

Wave Lending Group in Puyallup informs people about the various types of mortgage loans and then assists them in selecting the best option, making loan application simpler.

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Standard post published to Wave Lending Group #21751 at October 23, 2023 16:00

What is the role of a mortgage broker, and why should I use one?

Mortgage brokers play an essential role in the home financing process. These specialists serve as intermediaries between lenders and borrowers.

Brokers aid borrowers to find and secure mortgage loans from different lenders. They can have access to a wide range of loan products, help you compare offers, and guide you through the application process. Using a broker can save you time and potentially money by finding the best mortgage deal for your particular requirements.

Mortgage brokers leverage their expertise and extensive lender networks to match borrowers with loans customized for their financial situation. They streamline the application process, ensuring it's convenient and efficient. In short, an experienced mortgage broker can secure a loan that aligns with your unique circumstances, potentially saving you time and money.

Wave Lending Group in Puyallup, WA, is a local mortgage brokerage company that helps you to choose the best loan program for your needs.

Call Wave Lending Group and learn which loan is best for you!

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Standard post published to Wave Lending Group #21751 at October 22, 2023 16:00

Are you on the lookout for your dream home in WA? Wave Lending Group in Puyallup, a reputable mortgage brokerage company, provides home purchase loans and home refinance loans.

Visit Wave Lending Group, learn about your loan options, and then explore Puyallup! Puyallup is a picturesque city situated in the Puget Sound region of the Pacific Northwest.

Known for its natural beauty, lively locals, and rich history, Puyallup offers a unique blend of urban amenities and rural charm.

Here are some of the top places to visit in Puyallup, Washington:

Puyallup Historical Society at Meeker Mansion - home to rich and varied collections of art, furniture, apparel, and more from the area's background.
Bradley Lake Park - is located in the center of Puyallup and includes a large lake, beautiful tracks, and lots of space to unwind.
Wildwood Park - is home to a magnificent forest with old trees that provide shade and security for creatures and individuals.
Clark's Creek Park South - a true secret gem, with its gentle creek squealing through, willows turning up from the water, and dappled sunshine playing through the leaves.
Pioneer Park - with its tall trees and also grassy fields, it's a wonderful spot to relax and run away from the noise and chaos of the city.

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Standard post published to Wave Lending Group #21751 at October 21, 2023 16:01

Wave Lending Group in Puyallup offers VA loans - a specialized mortgage plan supported by the U.S. Department of Veterans Affairs (VA).

VA loans are designed exclusively for eligible American veterans, active-duty service members, specific National Guard and Reserve members, and their surviving spouses (as long as they do not remarry).

These loans facilitate homeownership by providing benefits, such as:

Zero Down Payment: Borrowers can purchase a house in Puyallup or elsewhere without an upfront payment.
Competitive Long-Term Financing: Borrowers can get competitive interest rates for extended-term loans, ensuring affordability during the life of the loan.
No Private Mortgage Insurance (PMI): VA loans eliminate the need for PMI, reducing monthly costs.
Flexible Credit Requirements: These loans have more lenient credit criteria, helping veterans with diverse credit histories.

As a trusted mortgage broker in Puyallup, we offer competitive VA loan rates, while the approval process is straightforward and swift, kicking off with the completion of our VA Loan Qualifier form.

Call Wave Lending Group to discover your VA loan options and fulfill your homeownership plans.

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Standard post published to Wave Lending Group #21751 at October 20, 2023 16:02

Are you ready to buy a house? Looking for financing options for a home or any other type of real estate? Reach out to Wave Lending Group, a reliable mortgage broker in Puyallup, Washington!

At Wave Lending Group, we do not care only about mortgages; we care about your financial future. We're here to help you through one of life's most important decisions - securing your dream house.

Our main goal is to give you the knowledge and tools to make informed mortgage choices that align with your financial plans and life goals (e.g., retirement and wealth accumulation). More specifically, we want to assist you in implementing strategies that boost wealth, decrease debt, and minimize monthly expenses.

For this reason, we offer a variety of loan programs, like Veterans Affairs (VA) loans, 30-year or 15-year fixed home loans, adjustable-rate mortgages, Federal Housing Administration (FHA) loans, Jumbo loans and United States Department of Agriculture (USDA) loans.

As your mortgage broker in Puyallup, we're dedicated to serving you for life. Your home is your future, and we're ready to helping you build that future securely.

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Standard post published to Wave Lending Group #21751 at October 19, 2023 16:01

Do you want to acquire a residence in a rural area? Is the price of the house too high? Consider taking a USDA loan.

A USDA loan, supported by by the United States Department of Agriculture (USDA), is a mortgage program designed to assist individuals who desire to buy a house in a rural area.

However, the USDA home loan process is not as simple as it sounds! Eligible borrowers should satisfy specific criteria to get a USDA loan. These criteria have to do with the:

Location: Borrowers must be seeking to acquire a property in a USDA-qualified rural or suburban area.
Income: They should have a consistent, yet moderate income that does not exceed certain limits, as these loans are aimed at supporting those with moderate means.
Creditworthiness: While credit criteria are flexible, borrowers are usually expected to have a decent credit history.

Wave Lending Group in Puyallup is here to make the USDA home loan process simpler and hassle-free!

As a reliable and expert mortgage brokerage company, we provide lower USDA loan rates and a simplified application process, making sure everyone can achieve their rural or suburban homeownership goals.

Call us today to find out more about USDA loans!

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Standard post published to Wave Lending Group #21751 at October 18, 2023 16:02

What down payment do I need to purchase a home, and are there any down payment assistance programs available?

The down payment may vary depending on aspects such as the loan type and the lender's policies.

In general, down payments typically span from 3% to 20% of the home's purchase cost. For instance, conventional loans usually require a down payment of about 5% to 20%, while FHA loans may require as little as 3.5%.

Various down payment assistance options offer monetary support and incentives to assist homebuyers. These programs are typically provided by state and local governments, as well as nonprofit organizations. They can pay for a portion or all of the down payment fees, making homeownership more accessible.

Mortgage brokers with detailed knowledge of down payment criteria can lead borrowers in identifying and accessing suitable down payment assistance programs, ensuring that they make well-informed decisions aligned with their financial situation.

For more information on a down payment, call Wave Lending Group in Puyallup - the reliable local mortgage brokerage company!

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Standard post published to Wave Lending Group #21751 at October 17, 2023 16:02

South Hill, found south of Puyallup WA, is a dynamic community known for its different attractions and scenic beauty. Here are some of the key places in the area:

South Hill Mall - The area's leading shopping destination that features a broad selection of stores, dining options, and entertainment, providing a pleasant shopping experience.
Puyallup Fairgrounds - Home to the Washington State Fair, this venue hosts several events and concerts throughout the year, offering entertainment for all ages.

South Hill's combination of scenic beauty and urban amenities makes it an attractive place to explore and enjoy.

If you consider buying a home or any other kind of real estate in South Hill, consider applying for a Jumbo loan.

A jumbo loan is a mortgage that goes beyond the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Borrowers interested in jumbo loans typically have:

Higher Loan Amounts - finance homes with buying prices that surpass the standard loan limits in their area.
Luxury Properties
Strong Financial Profile

Wave Lending Group offers attractive jumbo loan rates and a quick, hassle-free application process. Call us now for more info!

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Standard post published to Wave Lending Group #21751 at October 16, 2023 16:03

Are you a first-time homebuyer or a seasoned investor?

Wave Lending Group in Puyallup, Washington, can be your reliable partner in your homeownership efforts.

We are a mortgage broker providing a variety of home loans, such as Veterans Affairs (VA) loans, 30-year fixed mortgages, 15-year fixed-rate mortgages, adjustable-rate mortgages, Federal Housing Administration (FHA) loans, Jumbo loans and United States Department of Agriculture (USDA) loans.

We take pride in our knowledge, competitive rates, and client-centric approach. Each client receives personalized attention and support throughout the mortgage process.

We’re also known for our efficient and stress-free mortgage applications and approval processes, which make homeownership more attainable and simple.

If you are searching for a mortgage broker in Puyallup, call us to book an appointment. Alternatively, visit our website and get a personalized home loan rate estimate instantly!

Mortgage rates can change every day, and your rate will be calculated based on your location, economic situation, and other factors, within 30 minutes with our online tool!

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Standard post published to Wave Lending Group #21751 at October 15, 2023 16:02

The Federal Housing Administration (FHA) loan is a government-supported mortgage program designed to make homeownership more accessible.

Due to their favorable down payment requirement and flexibility in regards to credit history, FHA loans are widely sought after. Just a 3.5% down payment is required, so it’s easier for many people to purchase a home.

First-time buyers and buyers with limited credit or down payment capabilities - those who cannot manage a traditional 20% down payment - are more likely to choose an FHA loan.

If you need a knowledgeable specialist in Federal Housing Administration (FHA) loans to explain what they are about, reach out to Wave Lending Group in Puyallup!

Our experienced team will tell you all about FHA loans and explain every step of the approval process in depth.

Here's how our FHA home loan process works:

Fill out our simple FHA Loan Qualifier
Receive options based on your distinct criteria and scenario
Compare mortgage interest rates and terms
Pick the offer that fits with your needs.

We will be glad to talk with you!

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Standard post published to Wave Lending Group #21751 at October 14, 2023 16:01

Considering homeownership?

The decision between purchasing and renting a house depends on your own financial situation, goals, and way of living.

On the one hand, if you are thinking about buying a property, keep in mind the following:

Equity: Homeownership allows you to build equity as you pay down your mortgage, potentially leading to long-term financial benefits.
Stability: Owning a house provides stability and a sense of ownership in your living space.
Tax Benefits: Homeowners may benefit from tax deductions on mortgage interest and property taxes.

On the contrary, if you are thinking about renting a home, keep in mind the following:

Flexibility: Renting offers flexibility, making it easier to move when needed.
Lower Initial Costs: It typically requires less upfront money, including a lower down payment and fewer ongoing maintenance expenses.
Predictable Costs: Renters often have fixed monthly payments, which simplifies budgeting.

The decision is ultimately yours!

If you decide to buy a house, Wave Lending Group in Puyallup can assist you in achieving your homeownership goals, ensuring you secure an excellent mortgage rate. Call us today for more info!

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Standard post published to Wave Lending Group #21751 at October 13, 2023 16:01

What credit rating do I need to qualify for a mortgage, and how can I enhance my credit for better rates?

Creditworthiness plays a pivotal role in mortgage approval and the interest rates borrowers get.

The credit rating varies depending on the lender and the kind of mortgage. For most loan types, though, the credit rating required to buy a house is at least 620. However, a higher credit score can increase the likelihood of approval.

To improve credit for better rates, consider the following:

Timely Payments: Pay bills on time, as timely payment carries considerable weight in your credit rating.

Reduce Debt: Work on reducing credit card balances and overall debt, aiming to keep credit utilization below 30%.

Avoid New Debt: Minimize opening new credit accounts in the months leading up to your mortgage application.

Seek Professional Advice: Mortgage brokers can offer tailored guidance on credit requirements and strategies to enhance your creditworthiness.

Wave Lending Group in Puyallup is an experienced mortgage broker that guides clients throughout the mortgage process, supporting you to secure a more favorable mortgage deal. Contact us today!

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Standard post published to Wave Lending Group #21751 at October 12, 2023 16:02

Bonney Lake is a thriving city in Pierce County, WA, providing a charming blend of suburban charm and natural beauty.

Bonney Lake has evolved into a sought-after residential destination known for its idyllic landscapes and community spirit.

Here are some of the top destinations you shouldn't overlook when visiting Bonney Lake:

Lake Tapps - with crystal clear water and spectacular mountain surroundings, it's easy to see why this location is a favorite among locals.
Carbon River - provides an amazing sight with its continuous ` of crystalline water.
Allan Yorke Park - features a walking path, a playground, and open fields that are ideal for picnics or just relaxing from the city.
Viking Park, Off-leash Dog Park - this park is a great location to bring your furry pal for a day of enjoyable. The park includes plenty of room for animals to run and play, and a water fountain for the pets.

In short, Bonney Lake is an excellent place to live.

If you are searching for a house in Bonney Lake and need financing options, contact Wave Lending Group. We are a reliable local mortgage broker that helps you get financing to purchase the home of your dreams!

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Standard post published to Wave Lending Group #21751 at October 11, 2023 16:02

Do you have knowledge about Adjustable Rate Mortgages (ARMs)?

An Adjustable Rate Mortgage (ARM) is a house loan with an interest that can fluctuate from time to time, usually after an initial fixed-rate duration.

Individuals who are happy with initial reduced interest rates, intend to relocate or refinance within several years, change to a fixed-rate mortgage, or consider the sale of their home may opt for an ARM.

ARM is also ideal for those that will have higher future income.

Wave Lending Group is a trusted mortgage broker that provides competitive adjustable rates and a quick, hassle-free process for residents in and around Bonney Lake.

Whether you're searching for lower initial rates or a shorter-term financing solution, we provide adaptable rate mortgages customized to your needs, making homeownership more accessible and cost-effective.

If you want to know more about ARM, complete our simple Adjustable Rate Mortgage Qualifier form to receive various loan options, compare the different mortgage interest rates, and pick the most suitable option for you.

For more information, our team is more than willing to help you throughout the process, so contact us today!

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Standard post published to Wave Lending Group #21751 at October 10, 2023 16:01

Whether you’re buying, refinancing or building your dream home, Wave Lending Group is here to assist you!

Wave Lending Group is a team of expert mortgage brokers in Puyallup, WA, known for its dedication to delivering top-notch mortgage services for years.

Our seasoned team will help you navigate through a wide array of loan products, including:

Conventional Loans,
(Federal Housing Administration) FHA Loans,
Veterans Affairs (VA) Loans
30-Year Fixed Mortgage
15-Year Fixed Mortgage
Adjustable-Rate Mortgage
Jumbo Loans
United States Department of Agriculture (USDA) Loans

Our main goal is to put a premium on the financial well-being and satisfaction of our clients.

For this reason, we provide clients with invaluable guidance and insights into the mortgage landscape. We help them understand their options and make the best decisions based on their life plans and financial goals.

If you have any concerns about loans, call us today.

Alternatively, visit our website and get an estimate of your mortgage rate in just 30 seconds!

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Standard post published to Wave Lending Group #21751 at October 09, 2023 16:02

Do you know what a refinance is?

A refinance is the process of replacing your existing mortgage with a new one, often with a new lender.

Some of the most common reasons for refinancing are:

Lower Interest Rates: To secure a reduced interest rate.
Reduced Monthly Payments: Extending the loan term through refinancing can lead to decreased monthly payments, providing financial relief.
Access to Equity: Refinancing allows homeowners to tap into their home's equity for purposes like home improvements, debt consolidation, or investments.
Consolidating Debt: Combining high-interest debts into your mortgage can result in reduced interest costs and simplified monthly payments.
Changing Loan Terms: Borrowers can go from adjustable-rate mortgages (ARMs) to fixed-rate mortgages or vice versa, depending on their financial goals and market conditions.
Home Improvements: Refinancing can fund home renovation projects, enhancing the property's value.

Searching for refinancing options for a home in and around Puyallup, WA?

Contact Wave Lending Group - the reliable local mortgage broker that can help you decrease your rate and month-to-month payment immediately!

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Standard post published to Wave Lending Group #21751 at October 08, 2023 16:02

What's the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?

With a fixed-rate mortgage, the interest rate remains constant during the whole loan term. This provides predictability and consistency in monthly payments, making it an excellent choice for those seeking stability.

On the contrary, an adjustable-rate mortgage (ARM) begins with an initial fixed-rate period, followed by rate adjustments at predetermined intervals. While it often starts with lower rates, it can fluctuate, possibly affecting monthly payments.

The choice between the two depends on factors like financial goals, risk tolerance, and the current interest rate environment. Mortgage brokers assist clients in aligning their mortgage choice with their financial goals, whether it's stability or initial affordability.

Wave Lending Group, located in central Puyallup, WA, offers both fixed and ARM options, ensuring borrowers make informed decisions customized to their needs.

For more information, give us a call today or visit our website and get your mortgage rate quote in just 30 seconds!

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Standard post published to Wave Lending Group #21751 at October 07, 2023 16:01

Wave Lending Group is a reputable mortgage broker in Puyallup that offers home and refinance loans. Over the years, we’ve helped many clients from Sumner.

Sumner is an excellent community with plenty of activities and amenities to offer its locals, which is why it's one of the rapidly expanding cities in Washington State.

At Wave Lending Group, we know that Sumner makes the perfect destination for many of you, so here are some of the best spots in Sumner that make it so desirable:

Sumner Ryan House Museum - a historic house museum constructed by Fred Seaman Ryan, home to fascinating displays showcasing the local story.
Van Lierop Park - an excellent location for a family picnic, with playgrounds, open fields, and a stunning view of the pond.
White River Amphitheater - an outdoor amphitheater that hosts notable concerts and events throughout the year.
Sumner Link Trail - ideal for a morning jog or an afternoon walk, this path provides stunning views of the city and the surrounding mountains.
Roegner Park - this park is home to the Sumner Community Farmers Market, which happens every Saturday morning from May through October.

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Standard post published to Wave Lending Group #21751 at October 06, 2023 16:01

A 15-year fixed mortgage is an example of home loan with an unchanging interest rate, requiring repayment over a 15-year period.

Due to its short duration of, the month-to-month payments will be higher. Despite this, the 15-year fixed mortgage has many advantages:

Lower interest rates that save you money
Quicker equity buildup
Reduced interest payments compared to longer-term loans
Faster homeownership
Fixed, predictable month-to-month payments that simplify budgeting
Better resale value
financial stress in the long term

Choosing a 15-year fixed mortgage can be a clever financial move for people who can afford the higher monthly payments and seek to build equity and save interest in the long run.

Yet, many borrowers choose a thirty-year fixed mortgage because there is not a big difference in interest rates.

If you are in Sumner, call Wave Lending Group to learn about the differences between the programs. We offer competitive rates and a streamlined process for both 15-year and 30-year fixed mortgages.

Our expert team will help you to choose the best home loan based on your needs, so contact us today!

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Standard post published to Wave Lending Group #21751 at October 05, 2023 16:02

Wave Lending Group is in the mortgage industry, based in Puyallup, Washington.

We offer home and refinance loans for every client, including VA loans, 30-year fixed-rate mortgages, 15-year fixed mortgages, adjustable-rate mortgages, Federal Housing Administration loans, Jumbo loans, and USDA loans.

Here is why you should choose Wave Lending Group:

In-depth Expertise: With extensive knowledge of the mortgage landscape, our team assists you to make informed decisions.

Diverse Loan Solutions: We offer a comprehensive range of mortgage products, including VA, FHA, and conventional loans, customized to your specific requirements.

Competitive Rates: Benefit from our competitive mortgage rates, saving you money throughout your loan term.

Effortless Process: Our easy approach ensures an efficient and straightforward mortgage experience.

Client-Centric: For our team, you're not just a client; you're an integral part of our community. We're dedicated to your financial well-being.

When it comes to buying your ideal home, trust Wave Lending Group for expert guidance and personalized solutions. Your homeownership journey begins here. Call us today!

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Standard post published to Wave Lending Group #21751 at October 04, 2023 16:01

Imagine holding the keys to your dream home. Yet, the way to homeownership is often a complex maze. This is where mortgage loan brokerage businesses step in as your trusted advisors to turn dreams into reality.

These experts are your financial allies, with a deep understanding of the mortgage landscape. They're not just brokers; they're dream facilitators.

Mortgage brokers open doors to a world of financing options. They're matchmakers, finding the perfect financing to suit your requirements - standard, FHA, VA, or jumbo loans.

Beyond choices, they save you money. They're champions of interest rates, negotiating the best deals for you.

Time is precious, and mortgage brokers are your time-saving wizards. They do the legwork, leaving you to focus on your future home.

In the swift real estate market, brokers expedite your journey. They facilitate the process, minimizing delays.

Credit concerns? Mortgage brokers can sort problems out. They help you qualify for financing you thought that were out of reach.

If you want to secure financing to acquire a house, call Wave Lending Group - your trusted mortgage broker in Puyallup, WA!

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Standard post published to Wave Lending Group #21751 at October 03, 2023 16:00

How much it costs to get help from a mortgage broker?

Potential clients often ask about the costs associated with asking for a mortgage broker's services.

Mortgage brokers can get compensation through various channels, including lender-paid commissions or borrower-paid fees. It's essential to have a clear discussion with your broker at the outset to fully comprehend any possible expenses involved in the process.

Lender-paid commissions typically mean the broker is compensated by the lender, which may result in a slightly higher interest rate for the borrower. On the other hand, borrower-paid fees involve direct payments to the broker for their services.

The exact costs can vary depending on factors, such as:

the intricacy of the mortgage deal
the broker's guidelines

However, the valuable expertise and access to a wide array of loan products that brokers offer can often outweigh any relevant fees, potentially leading to more cost-effective and customized mortgage solutions.

Wave Lending Group in Puyallup is a mortgage broker offering competitive purchase and refinance loans. For more information, visit our website or give us a call today!

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Standard post published to Wave Lending Group #21751 at October 02, 2023 16:03

Milton, Washington, situated central in Pierce County, offers a fantastic blend of suburban tranquility and accessibility to urban amenities. Discover Milton by checking out the following places:

Milton Community Park (or Triangle Park) - An exquisite park with hiking paths, playgrounds, and picnic areas, excellent for spending a day in nature.
Foss Waterway Seaport - Located close to Tacoma, this nautical museum showcases maritime history of the region, making for an educational and enjoyable visit.
Pioneer Farm Museum - Step back in time and experience rural life in the 1880s with private tours and interactive exhibits.
Northwest Trek Wildlife Park - Just a brief drive, this wildlife park allows visitors to watch native Northwest animals in their natural habitats.
Point Defiance Park - Explore stunning gardens, walking paths, and the Point Defiance Zoo & Aquarium, offering fun for the whole family.

For those thinking about homeownership in Milton, Wave Lending Group in nearby Puyallup is your trustworthy mortgage broker, providing expert assistance on home loans tailored to your needs.

For more information, give us a call today to arrange an appointment!

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Standard post published to Wave Lending Group #21751 at October 01, 2023 16:00

A thirty-year fixed-rate mortgage is an alternative home loan with an unchanging interest rate for 30 years, providing security and monthly payments that remain constant.

It's a popular choice among homebuyers who plan to stay in their house for more than 7 full years because it offers lower monthly payments than shorter-term mortgages like 15-year fixed mortgages.

While 30-year fixed mortgages may carry slightly higher interest rates than 15-year mortgages, the extended repayment period of three decades results in lower monthly payments, making it easier for borrowers to qualify.

Hence, obtaining approval for a thirty-year fixed-rate mortgage is frequently simpler than for a 15-year mortgage.

Borrowers with good credit, stable income, and a moderate debt credit can easily get a 30-year fixed mortgage loan.

Wave Lending Group in Puyallup provides 30-year fixed mortgage loans. Our team's mission is to help with every step of the 30-year fixed mortgage loan and then guide you throughout the application and approval process, making it easier and hassle-free.

Contact us today to make homeownership achievable and affordable for you!

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