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
Will the Housing Market Crash in 2025? Here’s What the Data Says
After years of skyrocketing home prices, many buyers are asking the same question: Is the housing market finally going to crash? According to Tricia Reece, a seasoned loan officer at triciareece.com/home, the short answer is no—but that doesn’t mean the market looks the same everywhere.
"We’re seeing a lot of fear-driven headlines right now, but most of them aren’t rooted in what the data actually shows," Tricia explains. "If you're waiting for a 20% price drop before buying, you could be waiting a long time."
Why a Crash Is Unlikely in 2025
Despite affordability challenges and economic uncertainty, most experts—including Freddie Mac and other housing authorities—do not predict a housing crash. One of the main reasons? Supply and demand are still seriously out of balance.
"Inventory is still incredibly tight in many areas, and there’s still strong demand from buyers," says Tricia. "That dynamic continues to support home values."
Unlike 2008, today's lending standards are much stricter, and most homeowners have significant equity. That makes a wave of distressed sales or foreclosures much less likely.
What’s Actually Happening With Prices?
While home prices aren’t surging like they did during the pandemic years, they are still rising in most markets—just at a slower, more sustainable pace.
"Some overheated areas may see minor corrections," Tricia notes. "But broadly speaking, we’re not seeing the kind of free fall that would indicate a crash."
In fact, recent data shows that many markets are experiencing modest appreciation, supported by low inventory and steady buyer activity.
Don’t Let Social Media Myths Fool You
The idea of a housing crash has gained traction on platforms like TikTok and YouTube—but viral content doesn't always align with reality.
"There’s a big difference between what’s trending online and what’s actually happening on the ground," Tricia explains on triciareece.com/home. "As a buyer, it’s important to base your decisions on real data—not clickbait."
Timing the Market vs. Timing Your Life
Trying to time the bottom of the market is notoriously difficult—and often counterproductive. Instead, Tricia recommends focusing on what you can afford today and looking for opportunities within your budget.
"Waiting for prices to fall might seem smart, but it could backfire if rates go up or demand surges again in 2026," she says. "If you find a home that fits your needs and you’re financially ready, it often makes more sense to act now."
Final Thoughts
So, is the housing market going to crash in 2025? The data—and most expert forecasts—say no. While prices may flatten or dip slightly in some areas, the fundamentals of supply and demand remain strong.
As Tricia Reece advises, staying informed and working with a knowledgeable loan officer can help you make confident decisions, no matter what the headlines say.
Sources:
FreddieMac.com, Realtor.com, CNBC.com, NAR.realtor
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