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Useul Tips

A new rule (Fannie) called Loan Quality Initiative went into effect on July 1, 2010 that requires lenders, BEFORE CLOSING, to check credit to make sure borrowers have not incurred any new debts. If borrowers incur MORE debt, and it affects the underwriting ratios by more than 2%, the loan will have to be re-underwritten prior to closing.

Things not to do before closing:
Don't – Allow multiple credit checks
Don’t – Apply for new credit within 45 days of signing a contract
Don’t – “Shop” for new credit before closing (Furniture, cars, etc)
Don’t – Go on a spending spree (using your credit limits) to buy things for your new home.
Things to do before closing:
Do – File tax returns and/or extensions
Do – Explain or document all inquiries on your credit report
Do – Disclose all debt—even if it did not show up on your credit report
Do – Work with a knowledgeable lender
Call Us Today for More Information!


Kenton Becker,
Sr. Loan Officer
Phone: 206-686-8822
Cell: 206-423-2552
Fax: 206-309-4736
MLO/NMLS #123961
Email Me

This information does not represent an offer or commitment to enter into a loan agreement. Equal Housing Opportunity Lender. Rates, Program, Fees, and Guidelines are subject to change without notice. Not a commitment to lend. “The information provided has been based on rules and regulations issued by Federal Agencies and interpreted for you by Interpretations are not guaranteed but we attempt to make them both easy to understand and help you sell more real estate. Check with your local and state authorities to ensure that you meet all requirements and disclosures.”Copyright © 2011 Reprinted with permission accuracy of all information, regardless of source, is not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. Land Home only conducts business in states we are approved to. Land Home Financial Services, Inc.22525 SE 64th Place, Suite 220, Issaquah, WA 98027. Washington Consumer Loan License #CL-89331. NMLS ID # 89331. 11-10-12


(Click the Play Button to Hear a Special Message from Kenton) 
Mike and I are so happy with the results of our refinance. We really were able to accomplish all of our goals. I am amazed that we were able to get a lower interest rate, a lower monthly payment, and still get cash out to pay off other debt...which will save us even more money. You knew what you were doing and did everything possible to make this process easy and successful for us.

Thank you, thank you, thank you!

Again, I couldn't be more thrilled with how everything turned out.

All my best,

Lindsey (and Mike) Corley, Kirkland, WA

"I really enjoyed working with Kenton, he was very effcient and always followed up right away. It was a pleasure work with him. "

Benjamin Atwell
puyallup, Washington

Kenton Becker's service was outstanding all through the process. I have done 15 - 20 loans and My experience with Kenton was great. He always returned my calls or E-mails promptly and got me the information I requested.

Ken Morris, Everett, WA

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