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Operation Home Front is one of the nonprofit organizations that we assist.   Every purchase  that Creekside Mortgage closes in the state of WA or OR we donate $100 to Operation Home Front It gives me great pleasure to say that we have donated to Operation Home Front a total of over $500.00 this month. It’s a great cause and it’s amazing what they do for the local Veterans of WA and OR.  We look forward to continue supporting all their efforts.  www.operationhomefront.net/

Kerry N. Greenwald

NMLS # 70269

Sr. VA Loan Specialist

Creekside Mortgage Inc.

208-424-6770

www.VALoanWA.com

www.OregonVALoan.com

Our volume of IRRRLs (Interest Rate Reduction Refinance loans) for VA continues to increase due to market conditions.  Last year it was impossible to do subordinations, in which a client kept their second mortgage as it is, while trying to refinance the first.  In a subordination agreement, the second loan is not paid off but, the lender who holds the second mortgage agrees to keep your loan intact and remain in second lien position on your house. Getting a subordination allows you to refinance your first mortgage to lower your interest rate.  We have had certain situations where people dropped their first rate but still have the second.

Kerry N. Greenwald

NMLS # 70269

Sr. VA Loan Specialist

Creekside Mortgage Inc.

360.571.LOAN (5626)

www.VALoanWA.com

www.OregonVALoan.com