Blogs

Creekside Mortgage, Inc. is always keeping an eye on the housing market and the stability of housing prices and values. As we look forward to 2013, we feel optimistic that housing prices are going to be stable.

Recently, we have noticed that appraisal values on the homes have leveled out. This means that we are seeing a stabilization in the market and that values are not drastically changing.

During 2013, we predict that housing values are going to remainn constant, with no drastic drops. Though the housing market likely won't see major increases in value, the fact that values are stablizing means the market is starting to recover.

If you are looking to buy, you should take advantage of the low-rates that are now available and take advantage of today's housing prices. Call Creekside Mortgage, Inc. at 360.571.LOAN (5626) or 800.920.5420.

Sometimes, our potential VA clients will visit our office after they have been to a bank to seek a loan. And, we can usually beat the program that was offered to them.

Why? Well, Creekside Mortgage, Inc. is not a bank - we're a broker. This means that we don't have to use one particular lender. We can shop around for the lowest rate and the best suited loan program for you.

Because we are able to shop around, we are normally able to get rates that are .25% lower than the rate offered by the bank.

Plus, we are able to get lower closing costs than banks as well. On the same loan that is offered by the bank, Creekside Mortgage, Inc. can reduce closing costs by 1/2 or 2/3 in some cases.

One of the reasons that Creekside Mortgage, Inc. is able to reduce costs is because we are set up to do VA home loans. We know the programs inside and out and every aspect of our business is set up around getting the best deals for our VA clients and making the process as smooth as possible.

Looking for a VA home loan or refinance? Call Creekside Mortgage, Inc. at 800.920.5420, or visit www.VALoanSpecialist.com.

If you are a Veteran in Bend, Oregon, Creekside Mortgage, Inc. wants to help you utilize your VA home loan benefits.

As a company of Veterans, each opportunity that we find to help fellow Veterans is a rewarding experience. With years of experience doing VA loans, we can help you get the most of your benefits, whether it is using your benefits for the purchase of a property or for a refinance.

For every VA loan that we close, we also donate $100 to the Central Oregon Vet Center in the name of the borrower. So, we get the opportunity to get you the loan that is right for you and your situation, and you get to help other Veterans in the Bend area by helping fund the Veteran center.

Recently, we increased our web presence in the Bend, Oregon area with Google Adword Campaigns and Bing Ads. We are hoping that these efforts will allow us to get into contact with more Veterans and help them get the most of their VA home loan benefits.

Are you a Veteran? We want to help you with your VA home loan purchase or refinance. Give us a call at 503.445.1038 or visit www.VALoanBend.com.

If you live in the Boise area, make sure to keep your eye out for Creekside Mortgage, Inc. advertisements when you do your next Google or Bing search.

This week, Creekside increased advertising efforts in the Boise, Idaho area through Google AdWord Campaigns and Bing Ads.

While assisting Veterans in the Boise area with their VA home loan benefits is nothing new for Creekside, we decided that we would like to increase our web presence so that we might help other Veterans refinance or complete a VA purchase loan.

As a company of Veterans, having the opportunity to help other Veterans is truly a rewarding experience for us.

Could you use help with your VA purchase home loan or VA home loan refinance? Give us a call at 208.424.6770 or go to www.VALoanBoise.com.

As the year winds down, Creekside Mortgage, Inc. is keeping up momentum and increasing its online presence with Google AdWord Campaigns and Bing Ads in The Dalles, Oregon.

Creekside is excited to have the opportunity to work with Veterans in The Dalles and to have the opportunity to help Veterans get the most from their VA home loan benefits.

As a company of Veterans, every opportunity that allows us to help another Veteran is a rewarding experience.

Are you a Veteran in The Dalles? We'd love to help you do a VA refinance or VA purchase loan. Give us a call today at 503.445.1038 or visit www.VATheDalles.com

 

 

Creekside Mortgage, Inc. is reaching out to fellow Veterans through an increase in advertising efforts in Clark County.

As a locally owned and operated company, Creekside is advertising in hopes of assisting Veterans who want to use their VA home loan benefits in cities like Camas, Battle Ground, La Center, Vancouver, Yacolt, Washougal and Ridgefield, to name a few.

Because Creekside Mortgage is composed of Veterans, connecting with Veterans is something that the company takes great pride in -- especially when the company is able to help a Veteran use their housing benefits.

Experts in completing VA purchase and VA refinance transactions, the Creekside team has increased marketing efforts online, with the addition of Bing Ads to the existing Google AdWord Campaigns.

We are "Veterans Helping Veterans" and we'd like to help you. Want to do a VA purchase or refinance? Give us a call at 360.571.LOAN (5626) or go to www.VAClarkCounty.com.

According to an article by The Tri-City Herald, developers have begun work on a 9.5 million dollar apartment complex in Richland, as a part of the Research District.

The article said that the new complex is near WSU Tri-Cities and surrounded by research facilities.

What makes this development so exciting is that it is going to add a new flavor to the area, attracting young people who are either students or people working in the research facilities. Adding more housing in this area will make it easier for people to work, shop and live in one place.

All of these factors will make Richland an attractive place for people to take a job or go to school. As the district develops, it is also likely to attract new residents to the area and promote further growth, which could have positive effects on housing prices in the future.

Are a Veteran? Call us today to let us help you utlize your VA  home loan benefits! 360.571.LOAN (5626)

Recently, there has been talk of mortgage companies recieving warnings for their deceptive advertising that has been targeted at older Americans and Veterans. We'll look at what has gotten companies in trouble and we'll let you know how you can find the right mortgage company for you.

On November 19, the Consumer Financial Protection Bureau released a statement that said,

"Today the Consumer Financial Protection Bureau (CFPB), in partnership with the Federal Trade Commission (FTC), is issuing warning letters to approximately a dozen mortgage lenders and mortgage brokers advising them to clean up potentially misleading advertisements, particularly those targeted toward veterans and older Americans. The CFPB also announced it has begun formal investigations of six companies that it thinks may have committed more serious violations of the law."

Things the CFPB reported as "problems" in the advertisements included:

  • Making a mortgage company look as if it is affliated with the government.
  • Misleading information about mortgage rates.
  • Language about reverse mortgages that isn't true or stretches the truth.
  • Fake information about the amount of cash or credit that a person has access to.

Here at Creekside Mortgage, Inc., compliance is of our upmost concern and we carefully review all of our publications to assure that they are accurate, concise and contain all the necessary information. However, we know that not everyone will choose to do their loan with us, so we want to give some advice.

When shopping around for a VA home loan or a mortgage company to complete the transaction, utilize these tips to make sure you are making the best decision for you:

  1. Ask questions. If you don't understand something, talk to your mortgage professional. They should be able to explain what you don't understand, and they should be willing to sit down with you to go over all of your options.
  2. Be aware of the fact that no company is affliated with the government. Getting a VA loan just means that you are getting a loan that is guaranteed by the VA, not that your funding is coming from the government. So beware of companies who make it appear as if they have been approved by the VA.
  3. Do research. The more you know about loan programs and the current happenings in your housing market, the more equipped you will be to notice anything that isn't right about your VA loan.
  4. Take advertising with a grain of salt. Does it sound too good to be true? It might be.
  5. Look into each company that you consider doing your loan with. How are their reviews? Do a Google search and find out just what people are saying about them.

Trying to fund the purchase or refinance of your home can be stressful. However, with a little research, you'll be sure to find a program that you are comfortable about.

For a free consultation, call Creekside Mortgage, Inc. at 360.571.LOAN (5626).

Creekside Mortgage, Inc. is reaching out to fellow Veterans through an increase in advertising efforts in the Vancouver, Washington area.

As a locally owned and operated company, Creekside is advertising in hopes of assisting Veterans who want to use their VA home loan benefits.

Because Creekside Mortgage is composed of Veterans, connecting with Veterans is something that the company takes great pride in -- especially when the company is able to help a Veteran use their housing benefits.

Experts in completing VA purchase and VA refinance transactions, the Creekside team has increased marketing efforts online, with the addition of Bing Ads to the existing Google AdWord Campaigns.

We are "Veterans Helping Veterans" and we'd like to help you. Want to do a VA purchase or refinance? Give us a call at 360.571.LOAN (5626) or go to www.VALoanVancouver.com.

As Creekside Mortgage, Inc. gets ready for the holiday weekend, we want to wish everyone a very happy Thanksgiving. Whether you are a client, a fellow Veteran or a friend of the company, we are thankful for you.

Yesterday, we had the opportunity to take food and thanksgiving supplies to three families in our local community. It was an amazing experience for our company, and it put us all in the giving spirit -- a good reminder what this holiday is all about.

We look forward to continuing to serve our clients and the Veterans of our extended Northwest community. Happy holidays!

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