Your Local Mortgage Lender

Licensed in WA, AZ and TN

Personalized Mortgage Experience

Tricia Reece offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.

With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.

Let us help you achieve your homeownership dreams!

The Home Loan Process

Mortgage Pre-Approval

Get pre-approved from one of our Loan Officers to see how much you can afford.

House Shopping

Work with a trusted Real Estate Agent to find a home you would like to move into.

Loan Application

Complete your home loan application to get the lending process started.

Don't take our word for it

Mortgage Programs

Experience the best mortgage experience located in Washington.

Home Loan Options

Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.

Conventional Home Loans.

FHA Home Loans.

USDA Home Loans.

VA Home Loans.

Frequently Asked Questions

How often can I refinance my mortgage?

There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.

Can I buy a home if I do not have money for a down payment?

Yes! There are a number of bond programs that offer low or no down payment financing options.

How do I know which mortgage is right for me?

The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.

How long will the loan process take?

The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.

Will I qualify for a home loan?

The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.

Why do people refinance their mortgages?

Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.

How much money will I have to pay upfront to buy a home?

This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.

Can I get a mortgage after bankruptcy?

You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.

Should I lock my interest rate now, or wait until we are closer to our closing?

Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

Most Recent Blog Updates

Simple Ways to Build Your Credit — and What Lenders Really Look For

mortgage

October 29, 2025•2 min read

Why Your Credit Score Matters

Your credit score plays a huge role in whether you qualify for a home loan — and what kind of interest rate you’ll get. But the good news? Building or improving your credit doesn’t have to be complicated. A few consistent habits can go a long way toward boosting your score and preparing you for homeownership.

Start Small: Secured Cards and Credit Builder Loans

If you’re new to credit or rebuilding, secured credit cards are one of the best ways to start. They work like a regular credit card, but you make a small deposit upfront that acts as your limit. Use it for small purchases and pay it off each month — that payment history is key.

You can also try a credit builder loan, which reports to all three major credit bureaus (Experian, Equifax, and TransUnion). Even a small loan helps establish positive history and shows you can manage debt responsibly.

Leverage Trusted Connections

If you have a family member or close friend with strong credit, ask to become an authorized user on one of their accounts. Their positive payment history can help strengthen your credit profile — just make sure they have a solid record and low balances.

Pay On Time and Manage Balances Wisely

Payment history is the single biggest factor in your credit score. Even one late payment can have a lasting impact, so set reminders or use autopay when possible.

Keep your balances below 30% of your credit limit — that shows lenders you can manage credit responsibly. For example, if you have a $1,000 limit, try not to carry more than a $300 balance.

Avoid Too Many New Accounts

Each time you apply for new credit, it can create a small, temporary dip in your score. Avoid opening multiple accounts at once, and don’t close old accounts — your long credit history actually helps your score over time.

Know the Difference Between Scores

Here’s something most people don’t realize:
Sites like Credit Karma use a different scoring model (often VantageScore), while lenders use FICO scores — specifically models designed for mortgage lending. That’s why your score on a consumer app might look higher than what a lender sees. It’s normal — and it’s nothing to stress about.

Consistency Is Key

Building good credit takes time, but every on-time payment and smart decision adds up. With consistent effort, you’ll not only raise your score but also position yourself for better mortgage options and lower long-term costs.

If you’re curious where your credit stands or want to know how close you are to qualifying for a home loan, I’m happy to help walk you through it.

📞 Reach out anytime to talk through your credit goals and next steps.

Sources:

Tricia Reece

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