Standard post published to Wave Lending Group #21751 at November 30, 2023 16:00

Have you come across Adjustable Rate Mortgages (ARMs)?

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

People who are happy with initial reduced interest rates, intend to relocate or refinance within several years, change to a fixed-rate mortgage, or think about the sale of their house may select an ARM.

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

Wave Lending Group is a local mortgage broker that offers competitive adaptable 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 flexible rate mortgages tailored to your needs, making homeownership more accessible and cost-effective.

If you ’re interested in ARM, complete our simple Adjustable Rate Mortgage Qualifier form to receive different loan options, compare the different mortgage interest rates, and select the most suitable option for you.

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

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Standard post published to Wave Lending Group #21751 at November 29, 2023 16:02

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

Wave Lending Group is one of the best mortgage brokers in Puyallup, WA, known for its commitment to providing top-notch mortgage services for years.

Our seasoned team will help you navigate through an extensive selection 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 customers.

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

If you have any concerns regarding mortgages, call us today.

Alternatively, check out our website and get a mortgage rate quote in just 30 seconds!

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

Do you know what a refinance is?

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

Some of the most common reasons for refinancing are:

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

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

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

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Standard post published to Wave Lending Group #21751 at November 27, 2023 16:00

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

With a fixed-rate mortgage, the interest rate stays constant throughout 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) starts with an initial fixed-rate period, followed by rate adjustments at predetermined intervals. While it typically 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 economic goals, whether it's stability or initial affordability.

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

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

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Standard post published to Wave Lending Group #21751 at November 26, 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 a fantastic community with many 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 top destination for many of you, so here are some of the most attractive spots in Sumner that make it so desirable:

Sumner Ryan House Museum - a historic house museum constructed by Fred Seaman Ryan, home to intriguing displays showcasing the local background.
Van Lierop Park - a fantastic place for a family picnic, with play areas, open fields, and a stunning view of the pond.
White River Amphitheater - an outdoor amphitheater that organizes huge shows and events throughout the year.
Sumner Link Trail - ideal for a morning jog or an afternoon walk, this path provides beautiful views of the city and the surrounding mountains.
Roegner Park - this park is home to the Sumner Community Farmers Market, which takes place every Saturday morning from May to October.

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Standard post published to Wave Lending Group #21751 at November 25, 2023 16:00

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

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

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

Selecting a 15-year fixed mortgage can be a smart financial move for people who can afford the higher monthly payments and want 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 are in Sumner, contact Wave Lending Group to learn about the differences between the programs. We offer competitive rates and an efficient process for both 15-year and 30-year fixed mortgages.

Our expert team will help you to choose the best option based on your needs, so call us today!

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Standard post published to Wave Lending Group #21751 at November 24, 2023 16:00

Wave Lending Group is specialized in mortgages, situated in Puyallup, WA.

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

Here is why you should choose Wave Lending Group:

360ᵒ Expertise: With extensive knowledge of the mortgage landscape, our team assists you to make informed decisions.

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

Competitive Rates: Benefit from our low 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 a member 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 services. Your homeownership journey starts here. Contact us today!

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Standard post published to Wave Lending Group #21751 at November 23, 2023 16:01

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

These professionals are your financial allies, with an intimate 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 loan 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 precious, and mortgage brokers are your time-saving wizards. They handle the legwork, leaving you to focus on your future home.

In the swift real estate market, brokers expedite your journey. They streamline the process, reducing delays.

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

If you want to secure financing to purchase 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 November 22, 2023 16:00

How much it costs to work a mortgage broker?

Potential clients often ask about the fees associated with engaging a mortgage broker's services.

Mortgage brokers can receive compensation through different 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 potential expenses involved in the process.

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

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

the complexity of the mortgage transaction
the broker's procedures

However, the valuable expertise and access to an extensive variety of loan products that brokers provide can often outweigh any associated fees, potentially leading to more cost-effective and tailored 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 quick call today!

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

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

Milton Community Park (or Triangle Park) - An exquisite park with walking trails, playgrounds, and picnic areas, perfect for spending a day in nature.
Foss Waterway Seaport - Located nearby in Tacoma, this nautical museum showcases the maritime heritage of the region, making for an informative and enjoyable visit.
Pioneer Farm Museum - Take a journey to the past and experience rural life in the 1880s with guided tours and interactive exhibits.
Northwest Trek Wildlife Park - Just a brief drive, this wildlife park allows visitors to observe 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, offering professional advice on home loans tailored to your needs.

For more information, call us today to book an appointment!

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Standard post published to Wave Lending Group #21751 at November 20, 2023 16:01

A 30-year fixed mortgage is a distinct home loan with a consistent interest rate for 30 years, offering stability and monthly payments that never change.

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

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

Hence, obtaining approval for a thirty-year fixed-rate mortgage is often simpler than for a fifteen-year home loan.

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

Wave Lending Group in Puyallup provides thirty-year fixed-rate home 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 simpler and hassle-free.

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

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Standard post published to Wave Lending Group #21751 at November 19, 2023 16:00

Are you looking for a loan specialist in Puyallup?

Wave Lending Group is a home loan expert specializing in home and refinancing loans.

Committed to empowering our customers, our local mortgage broker goes beyond the standard role of a lender.

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

Wave Lending Group prioritizes monetary stability and financial success for each individual. Our seasoned team assists in acquiring competitive mortgage options and provides invaluable guidance for better financial choices.

With us, getting a mortgage loan is simpler than any other lender. For instance, we provided tools, such as house appraisal, pre-qualified letter, refinancing evaluation, and mortgage estimator, to help you estimate the value of your house, calculate a lower mortgage payment, and get pre-approval for a home loan and a loan refinancing assessment.

If you're looking for a home loan expert in Puyallup, reach out today!

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Standard post published to Wave Lending Group #21751 at November 18, 2023 16:00

Do you know what a house loan is?

A mortgage is a financial instrument that facilitates the purchase of real estate, commonly a house. It is a contract recognized by law between someone borrowing money and a lending institution, typically a bank or a banking entity, in which the lender provides funds to the borrower to acquire real estate. In return, the borrower agrees to repay the loan over an agreed-upon duration, commonly 15 to 30 years, as well as 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 take 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 agreement terms, interest rates, and eligibility criteria, making it important for borrowers to select the one 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 most suitable one, making the process of getting a loan simpler.

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Standard post published to Wave Lending Group #21751 at November 17, 2023 16:01

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

Mortgage brokers play a critical role in the home financing process. These professionals serve as intermediaries between borrowers and lenders.

Brokers assist borrowers to find and get mortgage loans from various lenders. They can have access to a wide range of loan products, help you analyze offers, and guide you through the application process. Collaborating with a broker can save you time and even money by finding the best mortgage deal for your particular needs.

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

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

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

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

USDA Loans Puyallup: Rural Living, Affordable Financing

The rural areas surrounding this Washington city offer a unique living experience, and USDA loans make this lifestyle more accessible. Collaborate with Wave Lending Group to navigate the eligibility criteria and advantages of U.S. Department of Agriculture loans. What makes this local lender the optimal choice in this scenario is their comprehensive understanding of the local real estate landscape. They not only guide you through the loan process but also provide insights into the unique opportunities and challenges associated with rural living in this city.

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

Are you in search of your dream home in WA? Wave Lending Group in Puyallup, an established mortgage brokerage company, provides home purchase loans and home refinance loans.

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

Known for its scenic landscapes, vibrant community, and rich history, Puyallup offers a unique blend of urban amenities and rural charm.

Listed below 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, clothing, and more from the location's background.
Bradley Lake Park - is located in the heart of Puyallup and includes a vast lake, breathtaking trails, and lots of space to loosen up.
Wildwood Park - is home to a stunning forest with old forests that provide coolness and protection for animals and people.
Clark's Creek Park South - a real secret treasure, with its delicate creek babbling through, willows popping up from the water, and dappled sunlight playing through the leaves.
Pioneer Park - with its tall trees and grassy fields, it's a wonderful place to relax and leave from the noise and chaos of the city.

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Standard post published to Wave Lending Group #21751 at November 15, 2023 17:02

FHA Loans Puyallup: An Entryway to Affordable Home Financing

For first-time homebuyers in this Washington city, Federal Housing Administration loans serve as an entryway to affordable homeownership. This local lender recognizes the importance of these loans and guides clients through the intricacies, helping them understand the lower down payment requirements and flexible qualification standards. What sets Wave Lending Group apart is their dedication to education. They empower clients with the knowledge needed to make informed decisions, ensuring that first-time homebuyers embark on their homeownership journey with confidence.

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Standard post published to Wave Lending Group #21751 at November 15, 2023 16:00

Wave Lending Group in Puyallup offers VA loans - an exclusive mortgage program 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 marry again).

These loans enable homeownership by offering advantages, including:

Zero Down Payment: Borrowers can buy a property in Puyallup or elsewhere without an upfront payment.
Competitive Long-Term Financing: Borrowers can secure competitive interest rates for long-term financing, ensuring affordability over 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, assisting veterans with diverse credit histories.

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

Contact Wave Lending Group to discover your VA loan options and fulfill your homeownership goals.

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Standard post published to Wave Lending Group #21751 at November 14, 2023 17:01

VA Home Loan Puyallup: Serving Those Who Served

This city takes pride in its strong support for veterans, making VA home loans an outstanding option. This local lender's expertise in navigating the specific requirements of Veterans Administration loans is invaluable. They go beyond mere knowledge; their team genuinely understands the sacrifices made by veterans and their families. With a commitment to providing the preferred financial solutions, Wave Lending Group is the ideal choice for veterans seeking a seamless and supportive homeownership experience in this city.

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

Are you ready to buy a house? Searching for financing options for a home or any other kind of real estate? Reach out to Wave Lending Group, a dependable mortgage broker in the heart of Puyallup, WA!

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

Our primary goal is to empower you with the knowledge and tools to make informed mortgage choices that fit your financial plans and life goals (e.g., retirement and wealth accumulation). More precisely, we want to assist you in implementing strategies that enhance wealth, decrease debt, and reduce your monthly expenses.

For this reason, we provide a variety of loan plans, including 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 dedicated to helping you build that future securely.

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Standard post published to Wave Lending Group #21751 at November 13, 2023 17:01

Mortgage Lender Puyallup: Direct Path to Homeownership

Navigating the lending landscape in Puyallup involves choosing a lender that provides a direct path to homeownership. Wave Lending Group streamlines the lending process, offering favorable rates and clear communication. What sets them apart as the preferred choice is their commitment to a client-centric approach. This local lender understands that each homebuyer is unique, and they tailor their services to meet your individual needs, providing a level of personalized attention that distinguishes them as the ideal local lender in Puyallup.

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Standard post published to Wave Lending Group #21751 at November 13, 2023 16:00

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, backed by the United States Department of Agriculture (USDA), is a mortgage program designed to support individuals who aim to buy a house in a rural area.

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

Location: Borrowers must be searching to obtain a home in a USDA-qualified rural or suburban area.
Income: They should have a stable, yet average income that does not surpass certain limits, as these loans are aimed at helping those with moderate means.
Creditworthiness: While credit criteria are adaptable, borrowers are usually expected to have a decent credit history.

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

As a reliable and experienced mortgage broker, we provide reduced USDA loan rates and a simplified application process, ensuring everyone can achieve their rural or suburban homeownership goals.

Call us today to learn more about USDA loans!

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Standard post published to Wave Lending Group #21751 at November 12, 2023 17:00

Mortgage Brokerage Puyallup: Choosing the Right Partner for Your Home Purchase

The selection of a mortgage brokerage in Puyallup extends beyond mere transactional services. This local lender, with its roots deeply embedded in the local community, stands out as the preferred choice for a partner in your home-buying journey. Engage with their team to discuss your long-term financial goals and obtain insights into the best mortgage options for your specific situation. As a locally focused brokerage, Wave Lending Group is committed to fostering lasting relationships with clients, ensuring that you not only secure a mortgage but also receive continuous support and guidance.

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Standard post published to Wave Lending Group #21751 at November 12, 2023 16:00

How much of a down payment do I need to buy a home, and are there any down payment assistance programs available?

The down payment may differ based on aspects like the loan type and the lender's regulations.

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

Many down payment assistance programs offer economic support and incentives to help homebuyers. These programs are typically provided by state and local governments, as well as NGOs. They can cover a portion or all of the down payment costs, making homeownership more accessible.

Mortgage brokers with thorough knowledge of down payment criteria can guide borrowers in identifying and accessing appropriate down payment assistance programs, ensuring that they make smart decisions according to 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 November 11, 2023 17:00

Starting on the path of owning a home in this Washington city, a place characterized by its scenic landscapes and close-knit neighborhoods, requires a strategic approach to home financing. Selecting the right lender is pivotal for a smooth and positive journey. In this in-depth guide, we will delve deeper into the various aspects of securing a mortgage in Puyallup, covering topics ranging from mortgage experts and lending institutions to specific loan programs like Veterans Administration, Federal Housing Administration, and USDA loans. Furthermore, we will spotlight why Wave Lending Group in Puyallup, WA is not just a choice but the best choice to assist you throughout your homeownership experience.

Mortgage Broker Puyallup: Your Personalized Home Financing Guide

In Puyallup, a location with diverse neighborhoods and real estate dynamics, the role of a mortgage specialist becomes essential. Beyond simply connecting you with lenders, Wave Lending Group specializes in providing a customized home financing guide. This involves an in-depth understanding of your economic position, preferences, and the local housing market. With a team deeply rooted in the Puyallup community, this local lender is uniquely positioned to offer custom advice, leveraging their comprehensive local market knowledge to secure the best mortgage deals for you.

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Standard post published to Wave Lending Group #21751 at November 11, 2023 16:01

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

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

South Hill's blend of scenic beauty and urban amenities makes it a welcoming place to explore and enjoy.

If you consider buying a home or any other type 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 usually have:

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

Wave Lending Group offers attractive jumbo loan rates and a swift, hassle-free application process. Contact us today for more details!

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Standard post published to Wave Lending Group #21751 at November 10, 2023 16:00

Are you new to the housing market or a seasoned investor?

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

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

We take pride in our knowledge, competitive rates, and customer-focused approach. Each client receives customized assistance and guidance during the mortgage process.

We’re also known for our efficient and hassle-free mortgage applications and approval processes, which make homeownership more accessible and straightforward.

If you are searching for a mortgage broker in Puyallup, give us a call to schedule 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, finances, and other factors, in just 30 minutes with our online tool!

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Standard post published to Wave Lending Group #21751 at November 09, 2023 16:00

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

Due to their low down payment requirement and flexibility in regards to credit history, FHA loans are very popular. Just a 3.5 percent down payment is required, so it’s convenient for many buyers to purchase a home.

New homebuyers 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 an expert in Federal Housing Administration (FHA) loans to clarify what they are about, contact Wave Lending Group in Puyallup!

Our experienced team will talk to you about FHA loans and clarify every step of the approval process in full detail.

Here's how our FHA home loan process works:

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

We will be happy to talk with you!

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Standard post published to Wave Lending Group #21751 at November 08, 2023 16:01

Considering homeownership?

The decision between buying and renting a house depends on your individual financial situation, goals, and lifestyle.

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

Equity: Homeownership allows you to accumulate equity as you pay down your mortgage, possibly leading to long-term financial benefits.
Stability: Owning a home offers stability and a sense of having your very own living space.
Tax Benefits: Homeowners may benefit from tax deductions on mortgage interest and property taxes.

On the other hand, 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 reduced initial deposit and lower maintenance costs.
Predictable Costs: Renters often have steady monthly payments, which makes budgeting easier.

The decision is ultimately yours!

If you decide to buy a house, Wave Lending Group in Puyallup will help you afford it, making sure you get a fantastic mortgage rate. Contact us today for more details!

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Standard post published to Wave Lending Group #21751 at November 07, 2023 16:00

What credit score do I need to qualify for a mortgage, and how can I boost my credit for improved 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 needed to purchase a house is at least 620. However, a greater credit score can increase the chances of approval.

To boost credit for favorable rates, consider the following:

Timely Payments: Pay bills on time, as payment history 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 personalized guidance on credit requirements and strategies to enhance your credit profile.

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

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Standard post published to Wave Lending Group #21751 at November 06, 2023 16:00

Bonney Lake is a prosperous city in Pierce County, WA, presenting a delightful blend of suburban charm and natural beauty.

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

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

Lake Tapps - with clear water and magnificent mountain surroundings, it's easy to see why this spot is a favorite amongst residents.
Carbon River - offers an astonishing sight with its nonstop ` of crystal clear water.
Allan Yorke Park - features a strolling path, a playground, and open fields that are best for picnics or simply relaxing from the city.
Viking Park, Off-leash Dog Park - this park is a fantastic place to bring your furry friend for a day of fun. The park includes plenty of space for animals to run and play, and a water fountain for the pet dogs.

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

If you are seeking a house in Bonney Lake and need financing options, call Wave Lending Group. We are a trustworthy local mortgage broker that helps you secure financing to purchase the home of your dreams!

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Standard post published to Wave Lending Group #21751 at November 05, 2023 16:01

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

An Adjustable Rate Mortgage (ARM) is a house loan with an interest rate that can vary periodically, typically after an initial fixed-rate term.

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

ARM is also suitable for those expecting increased future earnings.

Wave Lending Group is a dedicated mortgage broker that provides competitive adaptable rates and a fast, 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 offer adjustable rate mortgages tailored 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 different loan options, compare the unique 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 November 04, 2023 16:00

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 knowledgeable 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 focus on the financial well-being and satisfaction of our customers.

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

If you have any questions about mortgages, 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 November 03, 2023 16:00

Do you know what a refinance is?

A refinance is exchanging your existing mortgage with another loan, often with a different lender.

Some of the most frequent reasons for refinancing are:

Lower Interest Rates: To secure a reduced interest rate.
Reduced Monthly Payments: Prolonging your loan term through refinancing can lead to reduced monthly payments, providing financial relief.
Access to Equity: Refinancing allows homeowners to tap into the house's equity for purposes like home improvements, debt consolidation, or investments.
Consolidating Debt: Combining high-rate debts into your mortgage can result in lower overall interest costs and simplified monthly payments.
Changing Loan Terms: Borrowers can switch 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 house remodeling projects, increasing the property's value.

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

Contact Wave Lending Group - a trusted 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 November 02, 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 is constant throughout the whole loan term. This provides predictability and consistency in monthly payments, making it a superb choice for those seeking stability.

On the other hand, an adjustable-rate mortgage (ARM) starts with an initial fixed-rate period, followed by rate adjustments at predetermined intervals. While it typically 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 existing interest rate environment. Mortgage brokers help clients align their mortgage choice with their financial goals, whether it's stability or initial affordability.

Wave Lending Group, located in the center of Puyallup, Washington, 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 secs!

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

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

Sumner is a great community with many activities and amenities to offer its residents, which is why it's one of the rapidly expanding cities in Washington State.

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

Sumner Ryan House Museum - a historic house museum built by Fred Seaman Ryan, home to interesting displays showcasing the local background.
Van Lierop Park - a terrific place for a household picnic, with playgrounds, open fields, and a stunning view of the pond.
White River Amphitheater - an outdoor amphitheater that holds notable performances and events throughout the year.
Sumner Link Trail - ideal for a morning jog or an afternoon walk, this path provides beautiful 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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