Creekside Mortgage - Blog

News, tips, and updates just for you!

What is a VA Home Loan?

Simply put, A VA Loan is a mortgage loan issued by approved lenders and guaranteed by the U.S Department of Veterans Affairs.

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Your LIVE Week in Review

Join us every Wednesday at 2:00 PM for a short LIVE video about current events and how they are shaping interest rates and the housing market.

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Are you Eligible for a VA Loan?

VA Loan Eligibility Requirements The VA Home Loan is an amazing opportunity for Veterans to own a home. Are you Eligible? We can help you find out! To be eligible for the VA Loan, Veterans, National Guard members, Reservists, military spouses, and Active Duty members...

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Low Housing Inventory – Kerry’s Weekly Thoughts 7.5.2017

Hey Facebook world it’s Kerry Greenwald with Creekside mortgage! Coming at you again with the week in review and with the topics that are going on right now. I really blew it my last one I said rates should hold steady.  We had a pretty difficult 3 out of 4...

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6.28.2017 – Kerry’s weekly Thoughts

Facebook live good afternoon, I’m glad this gives me another chance to have a conversation with you about current market conditions and what's going on in our overall environment.  Rates once again have been help holding steady and I'm still recommending to hold...

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FEDs increase Rate – Kerry’s Weekly Thoughts

Good morning or good afternoon Facebook world it's a good day to come and have these conversations today! Janet Yellen a did her big meeting, where they did agree upon raising or increasing interest rates by quarter now the the target rate is between 1 to 1.25 on the...

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Kerry’s Weekly Thoughts

There are a couple cool things going on right now.  It looks like we've had a stagnant week though for the most part.  With the president's event going over to Europe and everything last week and the events that have happened so far the beginning of this...

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5 things you didn’t know about the VA Home Loan

Even though there has been millions of Veterans that have bought a home using their VA Benefits, there are still things that Veterans may not know about the VA Home Loan.  Hopefully this article will bring some light to the amazing product, the VA Home Loan. 1....

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New Employee!

Meet Lori Boyer! Our most recent hire.  We are super exicted to have her here.  She brings alot of experience from the Realtor, mortgage and finance world! Welcome Lori!

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VA Loan Docs, What you need.

VA Loans are amazing! They allow people who have served our country to get into a home with zero down payment, no mortgage insurance, and low interest rates.  As VA Loan experts, Creekside Mortgage, located in Vancouver, WA, has devoted itself to understanding...

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Plumber VS Hardwood Installer

Here’s a question for you.  Would you hire a plumber to lay your hardwood floor?  There are two different scenarios to this question.  First scenario, you hire the plumber to install your nice, expensive hardwood floors.  He gets the job done, but...

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4000th VA home Loan

Creekside Mortgage recently closed its 4000th VA Home Loan! We love serving Veterans.  This is something that we are honored to be a part of.  Creekside Mortgage would like to thank all Veterans everywhere for all the service they have given to this...

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The Do’s When Preparing To Get A Mortgage

A couple week’s ago we went over the Don’ts while preparing for a mortgage.  This week I want to give you some Do’s that will make preparing for a mortgage that much easier.  The main objective to preparing is to make sure everything goes smoothly when you...

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The Don’ts When Preparing To Get A Mortgage

Getting a mortgage can take time and you need to make sure you take certain things into consideration when preparing to buy a home.  There are things that could potentially hurt your chances of owning a home and we have compiled a list for you so you see what...

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Proud to Serve!

There are many ways for an individual or a group to give back to their community.  Ranging from volunteering to donations, the opportunities available for giving back are vast.  But what if I told you about a company that not only gave back to the community,...

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BE HEARD

Through every daily experience, through every struggle or hardship, through every success story in a person’s life, it is easy to say that each individual has a different view on how things should be ran.  For example, rules and regulations that positively effect...

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Trick or Treat

We did it Pacific Northwest!  For Halloween, children and adults enjoy common festivities including dressing up, office parties, and of course, trick or treating.  This is the only time of year when people can become the professionals they idolize, or the...

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Mortgage Rates Free Falling

In January, 2014, Theodore and Jessica were looking to purchase a house to raise their two year old son.  They were tired of living in a small apartment, having aspirations to live in the perfect neighborhood.  Being a sports enthusiast, Theodore was looking...

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Key Benefits of Using VA Loans

When purchasing a home, there a lot of decisions that buyers are constantly plagued with.  They would have to consider what type of loan they would want, figure out how much they qualify for, and figure out what broker and realtor to use.  However, if there...

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Who to go to first?

Jeff and Barbra met each other in the air force, serving together for years in the state of Oregon.  After falling in love and getting married, they decided on purchasing their first home!  However, being very uneducated about real estate, mortgage, or...

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Ridgefield Prediction

In an interview with The Real Estate books in the fall of 2012, Kerry Greenwald was asked this question, “What do you see happening in Clark County in the next five years?” Kerry replied, “I imagine that Clark County will experience major growth in the next five...

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Check Your Credit! Don’t Forget it!

When it comes to purchasing home loans, the main question that many people have before initiating the process is, “How is my credit?”  Before mortgaging a loan, lenders need to be assured that they will receive an adequate return from their investment before...

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“To Buy, or To Rent?”

When taking a look into your future, there are three main things that you and most other people imagine having in their lives: a family, a career, and a home.  While having a family and career is somewhat unpredictable, deciding where, when, and how to find a...

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Good News For the Housing Industry

Existing Home Sales Up 4.9% in May In the greatest gain since October, the housing market posted a 4.9 percent increase in existing home sales. The May increase propelled us right into the Summer selling season and is fueling a lot of excitement for the improved...

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How to Select a Lender

There are many ways to approach the process of selecting a lender for your home mortgage. Some people choose to make impulsive decisions, calling the first lender they find. Other people may be overly thorough by starting an application with several lenders during the...

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Chapter 7 Bankruptcy

It all began with a bright outlook on life. Jason had a great job, a fast car, lovely furniture, and what seemed like the start to a happy future. Then the unexpected happen, and Jason’s happy life got filled with medical bills and sleepless nights. The “unexpected”...

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From Business Owner to Punk

  Vancouver, WA – The owner of a local mortgage company now has a new hairdo. Kerry Greenwald is sporting an edgy purple Mohawk to help kids of military families.  Kerry challenged his employees, friends, and family to raise $2000 for The Oregon Summer Star...

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Where to start when buying a home

What came first, the chicken or the egg? I’m not here to argue with you because obviously it was the chicken, but that’s beside the point. When it comes to buying a home, the question is often asked, what comes first, the financing or the home search? While the answer...

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Divorce and Mortgages

 Picture this, the sun setting and a full moon slowly rising over the ocean, a warm ocean breeze gently rustles the palm fronds on a palm tree above two young lovers. They watch the sun set and moon rise in tranquil silence, holding each other’s hands and both...

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What is the VA Home Loan Eligibility Amount?

If you served our country in the armed forces, we thank you. It has come to our attention that many of you may not have been given guidance on your veteran benefits, or maybe you were a little too exhausted in basic training to fully grasp what they were saying....

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Surviving Spouse Benefit

I have been asked many questions about the VA Home Loan guarantee, but none as serious as the one asked by Amanda (Name changed for privacy) regarding the use of the VA benefit to a surviving spouse. Regrettably, her husband lost his life while he served early on in...

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How Much is a Down Payment?

Twenty percent for a down payment may not seem daunting until you realize that for a $200,000 house, you’d need to come up with $40,000 in cold hard cash! Not a lot of people I know have that kind of money just laying around - especially first time home buyers. But...

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What is the VA Funding Fee and why do I have to pay it?

Our country is extremely grateful for the service provided by our military men and women. As a small token of all our appreciation, the government has a loan program for United States Military Veterans. Veterans who take advantage of this loan program get the benefits...

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Don’t Get it Wrong

Monday marks 85 years since the birth of one of this nation’s most famous civil rights leaders. Martin Luther King Jr. helped pave the way for equality in legal rights. MLK day is an opportunity to remind us of the ideals, for which King, lost his life trying to...

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PSU Update

We hosted a lunch and learn at the Veterans center at Portland State University Wednesday. It was a great opportunity to work with some Veterans on a more personal level. Mike Frakes, Pam Conrad, and Joe Kuziel were there to represent the lending side of the mortgage...

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The Mortgage Industry Has a New Acronym – QM

Getting a home loan can be an intimidating process, and I know because I’m in the final stages of buying our first home. Adding one more confusing acronym to the mix doesn’t help the situation out too much either. That’s why we’re here - to help you get a better...

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New Director of the Federal Housing Finance Agency

Melvin L. Watt was sworn in Monday as the new director of the the Federal Housing Finance Agency (FHFA). Watt came in guns blazing with a huge change. In December, the previous director, Edward J. DeMarco had announced a plan to reduce the slightly monopolistic hold...

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Why Am I Only Eligible For $36,000?

So you got your Certificate of Eligibility (COE) and it says that you qualify for $36,000. That’s great if you could get into your time machine and buy a house back when that amount was decided on in 1987! Let’s take a step back and get a little history on the VA...

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Does the VA Lend Money?

When beginning the process of purchasing a home, it’s important to understand the different roles that each organization plays. We will focus on three organizations to answer the question, “does the VA lend money?” You need to understand what a mortgage broker is and...

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The Silver Lining of Winter Rates.

There will not be a Week in Review video this week but our hope is that this post will help make up for the missing video. Rest assured, Creekside Mortgage, Inc. will have a video post next week for your viewing pleasure. Mortgage rates have risen to 3 month...

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The Calm Before the Storm

We’re experiencing the normal calm that happens before the storm, and it’s about to break loose. The Federal Reserve will be making an announcement Wednesday, and is expected to discuss (again) the plan to pull out of the bond market. If they announce or even hint...

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Basic Home Loans

That beautiful house just down the street, it’s the one you drive by and think to yourself, “If I had that house I would have a huge garden, swings for the kids and a garage to finally work on my bike.” Well, it just went on the market. There is a big, bright for sale...

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Christmas Around the Corner

Whether you’re aware of it or not, Christmas is quickly approaching! Based on the relatively limited number of Christmas cards I’ve received this year, I’d say the season has snuck up on a lot of people. That or my family made it on far fewer people’s “nice lists”. We...

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How to Fail a VA Loan

Getting a VA loan can be a complicated process, and there are a lot of resources out there giving advice on what you should do to simplify the process. But what about the things you shouldn’t do? During the process of buying a home using the VA benefit, there are many...

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Vets Hiring Vets Shout Out

By Joe Kuziel With so many organizations claiming to assist veterans, I wondered how much they actually helped. I soon found that my skepticism was, in fact, warranted. My struggle was not in finding just any job, but in finding a career that was both rewarding and...

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Thanksgiving Challenge

Thanksgiving is almost here and whether you’re looking forward to spending time with friends and family or dreading the event entirely we all have something to be thankful for. The lessons I learned in Iraq are true still today, “things can always get worse”, that’s...

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Of Service and Sacrifice

With Thanksgiving around the corner, it’s easy to get caught up in the commercialism, family, and food. I don’t have any problem with doing that, and enjoying the season, but I encourage you to take a moment to not only be grateful, but truly show your gratitude....

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Veterans Deserve It, Our Economy Needs it – The VA Loan

This nation’s pride and joy, our military veterans, have put their lives on the line for the rights and values we hold dear. It’s no wonder we have no problem offering those service members the opportunity to get into housing with much more relaxed lending standards...

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When to Buy a Home?

Buying a home is one of the most exciting and nerveracking decisions most people will make in their lifetime. It is also likely to be the single largest purchase most people will ever make. With all the stress of buying a home, it’s no wonder you’re questioning when...

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