Creekside Mortgage - Blog

News, tips, and updates just for you!
Empowering Veterans to Preserve Their Homes

Empowering Veterans to Preserve Their Homes

In a landmark announcement, the Department of Veterans Affairs (VA) has revealed its latest initiative, the Veterans Affairs Servicing Purchase (VASP) program. This groundbreaking program, slated to roll out on May 31, 2024, aims to extend crucial support to over...

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Unveiling Home Equity in Idaho’s Treasure Valley

Unveiling Home Equity in Idaho’s Treasure Valley

Home equity, the cornerstone of wealth accumulation in homeownership, is a topic of significant interest, especially in regions like Idaho's Treasure Valley. Here, amidst the scenic landscapes and thriving real estate market, understanding the nuances of home equity...

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Using Your VA Benefits More Than Once:

Using Your VA Benefits More Than Once:

Expanding Opportunities for Veterans and Active-Duty Service Members Did you know that as a veteran or active-duty service member, you can utilize your VA benefits multiple times? Contrary to popular belief, VA loans aren't limited to just one-time use. In fact, you...

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The VA Appraisal Process

The VA Appraisal Process

A VA appraisal stands out among other loan programs due to its unique features tailored to veterans and service members. Unlike conventional appraisals, VA appraisals prioritize the interests of both buyers and sellers by ensuring a fair assessment of the property's...

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The Vibrant Veteran Community of Treasure Valley

The Vibrant Veteran Community of Treasure Valley

Nestled in the heart of Idaho’s Treasure Valley lies a vibrant community dedicated to honoring veterans. From Boise to Nampa, Meridian to Caldwell, this region pulsates with gratitude, offering events for veterans. Among these stands Creekside Mortgage, a...

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Why Wouldn’t a House Qualify for a VA Loan?

Why Wouldn’t a House Qualify for a VA Loan?

Several reasons exist as to why a VA Home Loan might not qualify for a VA loan. Property Condition: The minimum requirements set by the VA for a property might not be met. These requirements are designed to ensure that the property is deemed safe, structurally sound,...

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Can I do a Million Dollar VA Home Loan in Idaho?

Can I do a Million Dollar VA Home Loan in Idaho?

For veterans and service members, the VA allows financing of up to $4 million with a remarkable feature of 100% financing. This is a significant advantage, especially for those who qualify based on their entitlement. However, it's crucial to be aware of potential...

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Do you pay closing costs with a VA home Loan?

Do you pay closing costs with a VA home Loan?

Closing costs associated with a VA home loan offer flexibility in terms of negotiation and payment responsibilities. Buyers, sellers, or both parties can bear these costs, providing room for financial arrangements that suit the specific transaction. Notably, the VA...

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IS IT EASIER TO BUY A VA HOME IN WASHINGTON STATE?

IS IT EASIER TO BUY A VA HOME IN WASHINGTON STATE?

In Washington State, the ease of purchasing a VA home depends on factors such as market conditions, property availability, and individual financial circumstances. For eligible veterans, VA loans present several advantages that can facilitate home buying. One...

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VA HOME LOAN – A Veterans Most Valuable Resource

VA HOME LOAN – A Veterans Most Valuable Resource

Now that the festive season is behind us, the nation eagerly anticipates the opportunities that 2024 holds, especially in the realm of the mortgage industry. Reflecting on 2023, a year marked by multi-decade highs in various unsettling statistics, there is a...

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VA Interest Rate Reduction Refinance (IRRRL): A Complete Guide

VA Interest Rate Reduction Refinance (IRRRL): A Complete Guide

Good morning, Treasure Valley! As rates have continued to improve heading into 2024, I am hearing more and more conversations regarding IRRRLS (Interest Rate Reduction Refinance Loan). As this loan product continues to increase in popularity due to falling rates, I...

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2024: Changes to the VA Conforming Loan Amount

2024: Changes to the VA Conforming Loan Amount

In the world of mortgages, the term "conforming loan limit" may sound a bit technical, but it has a significant impact on many homebuyers. Understanding its implications is essential, especially if you're considering a VA home loan. In simple terms, the conforming...

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VA Jumbo Loans – Idaho

VA Jumbo Loans – Idaho

In 2023, the maximum limit for a VA Jumbo Loan in the state of Idaho is $4 million with the unique advantage of requiring zero down payment. This type of loan is classified as a VA jumbo loan because it exceeds the conforming limits, yet it still allows borrowers to...

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Introducing My Journey into the World of Mortgages

Introducing My Journey into the World of Mortgages

Hello there, I’m Jaceson Smith-Martinez, and I’d like to take a moment to share a bit about my journey and the path that led me to Creekside Mortgage. Born and raised under the scorching Arizona sun, I embarked on a rather unconventional journey early in life. At the tender age of 17, I found myself enlisting in the United States Army, driven by a desire to make a difference. Little did I know that this decision would shape the course of my life in unexpected ways.

Stationed at Fort Bliss, Texas, I served as a combat medic with the Combat Aviation Brigade. In 2019, I was deployed to Afghanistan, contributing my part to Operation Enduring Freedom. The experiences and the camaraderie forged during that deployment left an indelible mark on me.

Fast forward to November 2022, a month that saw me taking my leave from the military due to medical retirement. Following my discharge, I embarked on a new chapter, finding myself in the labyrinthine world of finance. Specifically, I became a funding analyst at a prominent bank, tasked with the intricate work of scrutinizing automobile loans. My role involved assessing applicants’ financial situations, calculating interest rates, and ensuring that loans aligned with regulatory standards.

Yet, as time passed, I found it increasingly challenging to reconcile my work with my values. It weighed heavily on my conscience to see the exorbitant interest rates being offered to individuals with less-than-perfect credit. The very system I was a part of seemed to be profiting from the struggles of those who needed reliable transportation the most. It was a moral dilemma I could no longer ignore.

This stark realization led me to an important crossroads in my career. After ten months of emotionally draining work, I knew I had to transition to an industry where I could genuinely make a positive impact on people’s lives. My quest for a profession that aligned with my desire to help others ultimately led me to the mortgage industry.

My introduction to mortgages came with a sense of familiarity. I had been a consumer in the housing market, and both of my in-laws had been seasoned real estate agents for over two decades. I understood that homeownership is, for many, the cornerstone of the American dream. The prospect of helping individuals achieve this dream filled me with excitement and purpose.

It was during this search for a new career path that I discovered Creekside Mortgage Incorporated. An interview with Kerry, the owner of Creekside Mortgage, left an unbelievable impression on me. Kerry’s commitment to positively impacting every person he meets stood out like a beacon of hope in an industry often marred by self-interest. His dedication to structuring his business in ways that benefit consumers, even at his own expense, spoke volumes about his character.

In that moment, I knew I had found my new home, both in the mortgage industry and at Creekside Mortgage. This was the place where I could blend my passion for helping people with a company that shared the same unwavering commitment to making dreams of homeownership come true, ethically and compassionately.

In my upcoming blog posts, I’m thrilled to embark on a journey of exploration into various aspects of the mortgage industry. We’ll delve into an array of topics, including the common misconceptions that often surround the VA home loan program. I’ll also shed light on the concept of predatory lending, equipping you with the knowledge to protect yourself as a consumer. Curious about how and why interest rates fluctuate, and what forces drive these changes? We’ll dive into that as well. Additionally, I’ll share some of my own personal experiences as a consumer dealing with lenders, highlighting valuable lessons that can help you avoid similar pitfalls. Stay tuned for an informative and enlightening series that aims to empower you on your journey toward homeownership.

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Treasure Valley Update

Treasure Valley Update

Hey Treasure Valley! Here we are at the end of summer. Kids are going back to school now for a lot of us. It’s been kind of a delight to get the kids back out. My wife and I certainly are enjoying it, I hope you are too. So, looking at our current market. The events...

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Dreaming of owning your home using a VA loan

By Elisa Cotton If you're a veteran or currently active duty and dreaming of owning a home, the VA Home Loan program can be a fantastic opportunity to turn that dream into a reality. However, before embarking on this exciting journey, it's essential to understand the...

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Rental Property

If you have purchased a home using a VA home loan, you are required to occupy the property as your primary residence for at least 12 months following the closing of the loan. After this 12-month period, you are allowed to turn the property into a rental home if you...

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Kuna, ID

Kuna, ID

Hi, I’m Kerry Greenwald, your NW VA Guy and owner of Creekside Mortgage. We specialize in VA home loans and today I want to talk to you about Kuna, Idaho and what’s going on in that community. It’s crazy to look at the population growth...

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Idaho State

In 2023, the maximum VA loan amount in the state of Idaho for standard VA home loans with zero down payment is aligned with the standard conforming loan limit set by the Federal Housing Finance Agency (FHFA). For this year, the standard conforming loan limit is...

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McMinnville, OR

Kerry Greenwald here, your NW VA Guy. Today, we are talking about McMinnville, Oregon. McMinnville is a special place to me and my family. My wife’s family is from there. When we originally first met, she lived in McMinnville and basically lived there her whole life....

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Clark County’s lack of Housing

Coming at you again this week to talk about Clark County as a whole and what has been going on in our community as we’ve seen things in the whole country overall starting to change. Clark County is still a very desirable place to come to. I know we still see the...

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3 week closing success

Congratulations to the Greenwald Team at Creekside Mortgage, Inc for successfully closing a VA loan in record time in Kuna, Idaho! Completing the loan in less than three weeks is an impressive feat, and it's wonderful to hear that the was Veteran borrower proactive in...

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Treasure Valley, ID

It's great to hear about your positive experiences with VA home loan appraisals in the Treasure Valley, Idaho! The fact that the appraisals have been completed within 5-7 days and have consistently come in at or above value is indeed impressive. Working with a local...

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Earnest Money

When applying for a VA home loan with Creekside Mortgage, Inc., it is generally advisable to put a small amount of earnest money down. The earnest money serves as a deposit to demonstrate the buyer's commitment to the transaction. However, it's important to note that...

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UWM

Yes, it is possible to avoid an escrow account on a VA home loan and manage your own payments for home insurance and taxes. One lender that offers this option is UWM (United Wholesale Mortgage). However, it's important to note that UWM may have certain requirements...

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Mt. Home, ID

If you're a veteran looking to buy a home in Mountain Home, Idaho, it's crucial to work with a local mortgage company that understands the specific rules and regulations that apply in that state. While large national banks may claim to be VA-friendly, they may not...

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Cheney, WA by Elisa Cotton

When it comes to obtaining a home loan through the Veterans Administration (VA), understanding the Tidewater Policy is crucial. This policy aims to ensure fairness and transparency during the appraisal process, protecting both veterans and lenders. The Tidewater...

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Cheney Rodeo by Elisa Cotton

Every year, the small town of Cheney, Washington comes alive with the spirit of the Wild West as it hosts the highly anticipated Cheney Rodeo. This thrilling event brings together rodeo enthusiasts from far and wide, showcasing the region's rich western heritage and...

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Putting 5% Down

If a veteran can put down 5% on a home purchase and does not have a service-connected disability, going through the VA (Department of Veterans Affairs) is typically their best lending option. By putting down 5%, the funding fee charged by the VA is reduced to 1.5%...

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Spokane, WA by Elisa Cotton

As the summer sun rises in beautiful Spokane, WA., anticipation builds for the day's festivities. The flag is proudly raised, its colors unfurled in the breeze, a potent reminder of the nation's enduring spirit. The 4th of July is more than just a date on the...

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COE by Elisa Cotton

A VA Certificate of Eligibility (COE) is a vital document that establishes a veteran's eligibility for VA home loan benefits. Lenders rely on the COE to verify a borrower's eligibility. However, what happens when your lender can’t obtain your COE? Not too long ago a...

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Vietnam Veterans Memorial Wall in Meridian, ID

I got the honor to volunteer at the Vietnam Veteran memorial wall replica in Meridian, Idaho this past weekend. The opportunity to help people find the names of their loved ones and friends was so meaningful and humbling experience. War is indeed a complex and...

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Gowen Field Boise, ID

Gowen Field in Boise, Idaho has made the decision to move on from the A-10 aircraft, and there were initial discussions about the possibility of the F-35 being stationed there. However, due to concerns within the local community regarding potential noise levels, it...

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Pasco, WA

Kerry Greenwald here, your NW VA Guy. Today I’m going to talk to you about Pasco, Washington. It’s in the middle of the Tri-Cities. Pasco’s WA. population point is right dead in the middle of what Richland, WA. and Kennewick, WA. are. It’s actually pretty close to the...

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EWU Veteran Center by Elisa Cotton

Embrace the Summer Session at EWU's Veteran Center in Cheney, WA As the temperatures rise and the sun graces us with its radiant warmth, Eastern Washington University (EWU) in Cheney, WA, is gearing up for an exciting summer session that starts today. Nestled in the...

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VA Interest Rate Reduction Refinance Loan

VA home loans can be a favorable option in the current market, providing several benefits to eligible veterans and active-duty service members. These loans often offer competitive interest rates and more flexible qualification requirements compared to conventional...

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Yakima, WA

Hey, I’m Kerry Greenwald, your NW VA Guy. Today we’re talking about Yakima, Washington, Yakima Valley, and VA loans in this area. There’s a lot of VA activity going on in this area. We continue to see small bits of growth within the community. I’ve done a lot of VA...

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Hoopfest in Spokane, WA

The Ultimate Basketball Extravaganza is coming! When it comes to celebrating the spirit of basketball and embracing the thrill of competition, few events can match the grandeur and excitement of Hoopfest in Spokane, Washington. Known as the largest 3-on-3 outdoor...

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Testing well water for a VA home loan

When it comes to testing well water for a VA home loan, there are several requirements that need to be fulfilled. These requirements are in place to ensure the water quality meets certain standards and that veterans are provided with safe and potable water. Here are...

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Tri-Cities Popular Destination

Wow, the Tri Cities, WA. have been a very popular destination to move to. A lot of people are leaving parts of Oregon and California and moving from that side of the mountains over to the Tri Cities, Washington. Basically, you have Kennewick, WA. Pasco, WA. and...

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Yakima, WA VA Home Loans

Creekside Mortgage, Inc, headquartered in Washington state, is a trusted mortgage broker dedicated to assisting veterans in Yakima, WA, with their VA home loan needs. With a strong focus on Veterans Helping Veterans, Creekside Mortgage understands the unique...

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