We love this amazing country, and we love celebrating our independence with fireworks! During this fun time of year, we want to remind you of two very important things.

The first thing to remember, is why we are celebrating this holiday. Even though we often call the holiday the 4th of July, it really is our Independence Day. A day to be grateful for the many sacrifices made so that we can live in this free land.

Independence Day Flags

"All gave some, some gave all. May we never forget our brothers and sisters who paid the ultimate sacrifice!"                 -Jon

The second thing to remember is to celebrate! We hope that you have a great time with family and friends, and that you do so safely. We care about all of you and we hope that you can enjoy this holiday by being careful with fireworks, driving sober, and driving defensively.

Here is a link to find firework laws by county in Washington. Unfortunately there is no document like this for Idaho or Oregon. You’ll need to look into each individual city’s laws and regulations to know exact days and times that fireworks are legal. If you happen to find a helpful resource, please link to it in the comments. Have Fun!

Creekside Mortgage, Inc is a veteran owned and operated company. We’re happy to help with all your VA loan needs. Give us a call at 800.920.5420.

Flag Day 2013

Do you know what flag day is? What does it mean to you?

President Woodrow Wilson proclaimed June 14, 1916 to be a day to observe the birth of our nations flag. In 1949, President Harry Truman signed the legislation that made June 14 as Flag Day. Every year since on June 14 Americans have commemorated the adoption of the United States Flag.

We asked our employees here at Creekside Mortgage, Inc what the flag symbolized for them.


Teri Lane: "The American flag not only reminds me of what a great country we live in, but also to the soldiers who protect it. Being a daughter of a Veteran not only makes me proud of who he was, but also appreciative of the sacrifice he made. I hang my flag proudly everyday."

Lori Chun: "I was born in Korea, my biological mother left me in a box at the courthouse steps in Seoul. Being adopted and becoming a US citizen was truly an honor, especially knowing my mother knew I would have a better life."


Pam Conrad: "The American flag is a banner that we rally around no matter our in family differences which says don’t mess with us."


Elisa Cotton: "What does the American flag mean to me? Freedom. It also serves as a constant reminder of those who gave their lives for that freedom. I will always be grateful to them for that ultimate sacrifice and to their families who endured loss so that we can enjoy that freedom."


The flag is a cherished symbol of our nation - its true meaning is unique to each individual. Tell us what the flag means to you. Leave us a comment on Facebook.

Creekside Mortgage, Inc is proudly US veteran owned and operated. Give us a call today at 800.920.5420.

Pam Conrad Creekside Mortgage, Inc Office Manager Pam Conrad
Creekside Mortgage, Inc Office Manager

I had such a great time at the MDA Lock-Up yesterday. Don’t get me wrong, going to jail is not a pleasant thing, but doing it for people with Muscular Dystrophy was great!

It all started with the Coast Guard coming to our location at Creekside Mortgage, Inc and arresting me! Of course we had some fun with the arrest.


The coast guard arrests Pam Pam being arrested.

I was then escorted to jail where I had my mug shot taken. After getting processed I spent the rest of the time trying to raise my own bail.

In order to post bail I needed $1600. From the generosity of my friends and family connected with Creekside Mortgage, Inc, we raised $1690 to help people with Muscular Dystrophy.

I want to thank each person who contributed to the cause. Your donation will be a huge help to the people supported by the Muscular Dystrophy Association.

A special thanks goes to... Becky and the kids, Beth, Chelsey, Elisa, Gayle, Jack, Jake, Jane, Karen, Kerry, Kim, Lori, Maggie, Michelle, Mike, Robin, Ron, Sharon, Steve, Teri, Teri, and Tom.

Creekside Mortgage, Inc is a community minded company that is happy to serve. If you need any information about loans, give us a call at 800.920.5420.

How do you find a reliable business? I know when I’m looking for a good trustworthy business I love to read online reviews.

We’re very grateful for the people who have taken the time to review us online. In fact, we have 10 reviews on that all have 5 star ratings! Unfortunately, has a filter system that seems to be blocking all ten reviews.

Because you can’t see them, I thought I would share some of the highlights with you, and if you've used our services before, please give us a review and maybe it’ll break through the filter.

Selena W. wrote:

 “ After getting the runaround from another company and getting offered a loan set up for me to lose our home.. I came across Creekside! What an amazing group of talented, honest, friendly people! Meeting with Kerry and Elisa the first time I knew I was in great hands. ;)”

Merry C. wrote:

“I had an absolute fantastic experience with Creekside.  I was so impressed with their knowledge and friendliness and all around amazing business!”


Bill A. wrote:

“The staff was friendly, and if not available when you called they got right back to us,  Thanks Creekside you guys work great as a team, you can tell your prior military experience has carried over to your civilian occupation.  Great Job.”


David N. wrote:

“For the first time in a very long time I found something that has been missing from the business world, and I found it with Creekside Mortgage; Its not just about Money, Its about people!”

Right now we have six other reviews that all say amazing things about us.

Creekside Mortgage, Inc is ready to give you the help you need. Give us a call today at 800.920.5420.

To see these reviews click this link.

United States veterans are very important to this country. Unfortunately, it has been a struggle for some of our heroes to find employment, and who blames them? It’s difficult to jump from military culture to business professional, especially after years outside current market trends and missed experience that their non-military peers have.

Regardless of the reasons, you and I both know there’s nothing our agile military veterans can’t learn to overcome. So what can be done to help get these fantastic heroes get back into the swing of things?

Introducing the “Show Your Stripes” initiative! Clear Channel Media in partnership with and Monster are teaming up to give military veterans valuable resources to get jobs. They’re also using their own resources to spread the word that hiring veterans is a great idea.

If you are a veteran looking for work or you know of someone, visit This is a fantastic resource that unites employers with U.S. veterans.

Creekside Mortgage, Inc is a veteran owned and operated mortgage company. Give us a call for all your VA mortgage needs. 800.920.5420.

Pam Conrad Creekside Mortgage, Inc Office Manager Pam Conrad
Creekside Mortgage, Inc Office Manager

This is the big week! On Wednesday I’m going to jail.

We have been working hard to help in the fight against muscular dystrophy by participating in a fundraiser that involves locking me behind bars. When you help post my bail all the money will be donated to the Muscular Dystrophy Association (MDA).

While it's not a real jail, it's even more important because I'm raising bail to help children and adults with muscle disease in our community. I might not be able to rely on good behavior to get out so that's why I need your help - I need you to donate to my bail! Just click here to make a secure donation - I know that together we'll Make a Muscle and Make a Difference in the fight against muscle disease.

We’re still trying to reach our goal, and we need your help to get there. Muscular Dystrophy is a debilitating disease that affects millions of people. Your contribution helps the MDA research the disease and provide summer camps for the kids and families affected by it.

I hope you’ll join us as we try to make a big difference in our community.

Creekside Mortgage, Inc is a veteran owned company. Give us a call today if you have any questions. 800.920.5420.

Today we saw new numbers from the Idaho Statesman reporting that after four years of declines, Ada county residential properties spiked almost 12% last year.

Right now we’re seeing rapid increases in housing prices coupled with increasing interest rates.

Even though we wish we could look into our magic globe and tell you what the future holds, our magic globe repair man has been out sick all week. So the best we can do is share what some economists believe about the housing market, as reported by Forbes today.

The chief economist at Zillow, Stan Humphries, believes that there is “no doubt” that interest rates will continue to rise over the next few years. Lawrence Yun, chief economist for the National Association of Realtors believes that rates will reach 5% by the end of next year.

Humphries explained that the market has two possible reactions to the increased mortgage rates. The housing prices could remain stagnant until individual incomes catch up, or housing prices could actually fall in markets where the prices have increased most dramatically.

Either way, our economists believe housing and interest rates are moving upward. In order to take advantage of the currently low rates, we encourage you to look into your mortgage and refinance opportunities.

Creekside Mortgage, Inc is happy to take phone calls and answer questions to help you with your home loan needs. Call us today at 800.920.5420.

If you’re like a lot of people right now, you’re probably very interested in what’s going on with the housing market and you probably have a lot of questions.

Whether you’re a current homeowner or a potential homeowner, there are two questions you’ll have in common- why are prices going up, and what will happen with future prices?

There is a lot of speculation saying that an improved economy is the driving force behind the rising house prices. Unfortunately, there is a lot of data that also says this is simply not the case. An example of some of that data is the unemployment rate. A sure sign of an improving economy is a shrinking unemployment rate, but we have yet to see that.

So what is the real cause of this price spike? It goes back to the basic economic principle of supply and demand.

The market crash of 2008 brought home building to a screeching halt. On top of that, investment groups came into the heaviest hit neighborhoods and bought up thousands of homes with the intention of renting them out for many years. The combination of these two events has dramatically reduced the availability or “supply” of homes.

Now we’re seeing an increased “demand” as people start looking for homes in a market with low supply. This quickly drives prices up.

With higher prices, a lot of people would like to know what will happen next. We would be lying if we said we weren't just as interested in knowing. Unfortunately, we can’t say for sure- even the analysts are divided.

We recommend you start looking into a refinance or new home purchase now, because this could very well be the end of the record breaking low interest rates we've been seeing for over a year.
Creekside Mortgage, Inc is well equipped to handle all your mortgage questions. Give us a call today at 800.920.5420.

Kerry Greenwald Creekside Mortgage, Inc Owner Kerry Greenwald
Creekside Mortgage, Inc

Today I want to answer two very important questions that will help you understand a little more about the current housing market and what you can do about it. So let’s jump right into it.

What’s going on with mortgage rates?

You’ve probably heard the news over the last week about the sudden increase in mortgage rates. Officially, they have reached a one-year high. So why is this happening?

Some professionals believe this is a result of inflation and/or an improving economy, however my professional opinion is different. The federal government recently stopped infusing money into the bond market, which made the bond market get a little chaotic. Because of the lack of funds that previously were being pumped into the system, I believe rates will continue to increase.

So what should you do about it?

Mortgage rates are still extremely low. In fact, rates have basically been coming down since they peaked in about 1981 at just under 15 percent! They have now begun their bounce up again and no one knows when they’ll stop.

My advice is to get pre qualified to help you start looking for something you can afford. This can seem like a scary and daunting task, but it’s really not that difficult. You can call your local mortgage broker and they can quickly and smoothly start you on the right path towards getting you into your new home.

Creekside Mortgage, Inc serves people in Washington, Oregon, and Idaho. Give us a call today at 800.920.5420.