This week’s Making Cents of Your Market is quick — and packed with good news. Mortgage rates dipped slightly, and economists are projecting more homes sold and moderate 2–5% appreciation in 2026. I also polled a dozen local agents, and over 70% believe the market will improve next year. Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

Wrapping up a 2-day mastermind in Vegas with the top 25 loan officers in our company—and the data we saw was eye-opening... Rates are projected to drop and nearly 1 million more homes expected to sell in 2026. Now’s the time to prepare, invest wisely, and get your budget dialed in. Join me for my next Budget with Dan Workshop (free + online): 👉 [budgetwithdan.com] Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

When you understand this data, it might change how you look at Q4… October could bring about an incredible opportunity with a Government shut down ending along with a Fed rate reduction, it’s more important than ever to pay attention to this…  The reason why most people will miss this is opportunity is, historically, Q4 is the most inconvenient time to sell or buy real estate with the holidays, but it could lead to the greatest financial opportunity!  Go, Mariners!! Let me know if you have any questions on this week video!  Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

In this episode of the Happy Homeowner Podcast, guest zoning expert Mike Appleby joins me as we dive deep into the real estate gold rush happening in Snohomish County and surrounding areas thanks to major zoning changes, new ADU laws, and once-in-a-decade comp plan updates. Learn how new ADU, DADU, and lot-splitting rules can turn one property into multiple income streams — with no major land use hurdles. Whether you're sitting on a big lot, looking to invest, or just curious how these changes are reshaping the market, this episode is packed with insight, strategy, and real numbers you can use today. This episode shows you exactly where real estate is headed in Washington State. Have questions or want to explore your property’s potential? Reach out and let’s book a strategy session. Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

Quick update on the Gov't shutdown along w/ news on an Oct FED rate cut. Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

I have an important update you need to see! Pending sales week over week show that the list price to sales price is UP over one full percent from data over the last 6-months!  Take a look at this video update w/ a BONUS tip on the best pie shop in Seattle you have to try! Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

Thinking about moving to Snohomish, WA or exploring the hidden gems of the area? In this episode of the Happy Homeowner Podcast, I sit down with local real estate expert Nikki Cook of John L. Scott to shine a spotlight on the Three Lakes neighborhood—one of Snohomish’s most scenic and sought-after communities. From serene lake views and quiet rural living to proximity to shopping, schools, and outdoor recreation, Three Lakes offers a unique lifestyle blend for homeowners. Whether you're a first-time buyer, relocating, or searching for a peaceful escape from the city, this episode is packed with valuable insights. We cover what makes Three Lakes a standout neighborhood in Snohomish, current housing market trends and pricing in Three Lakes, and what buyers and sellers need to know before making a move. If you're thinking about buying or selling in Snohomish, WA—or just want the inside scoop on the Three Lakes lifestyle—don’t miss this episode! Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

BIG week in the mortgage world, the FED lowered the FED Fund's rate by .25%. They indicate 2 more rate drops this year... I discuss what this means to you and how to leverage this info for your well-being! Plus - I share the Law of Money w/ you that works for anyone! Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

Welcome to the final episode in our 3-part series with local real estate expert Dan Gunderson, where we focus on the current state of the Everett, WA housing market. In this episode, we break down the latest real estate stats, median home prices, inventory shifts, and what to expect for the rest of 2025. Whether you're a buyer, seller, or investor, this deep dive into Everett real estate trends will help you make smarter decisions in today’s shifting market. Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

The FED had their meeting today and lowered the FED rate by 0.25%. But what does mean for you? Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

These are the exact 5 wealth hacks I use — and what I teach my clients — to turn hard-earned dollars into long-term wealth. With 25+ years in real estate and 18 years in the mortgage industry, I’ve seen what works (and what doesn’t). From using home equity to maximizing ROI on upgrades, these are the strategies that move the needle. Want to stop leaving money on the table? Hit play. Bonus: Get my personal budgeting system at budgetwithdan.com Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

In Part 2 of my Everett series, I sit down with Mayor Cassie Franklin to talk about the city’s vision for the future — from housing and growth to the Everett Mall, marina upgrades, the new stadium with all of it's potential, and more. We cover the city’s housing crisis, new DADU laws, permit services, and how Everett is evolving while staying true to its roots. Whether you're a longtime resident or just Everett-curious, this episode offers a front-row seat to the leadership shaping the city’s next chapter. Listen now to hear directly from the mayor — and get an inside look at Everett’s transformation. Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

This real and actual census data will blow your mind.. It's contrary to what the media wants you to believe… My 2-cents: Trust real data and real professional like me in the trenches to interpret it! Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034

Everett, WA — misunderstood or underrated? In Part 1 of our 3-part series on this dynamic city in the Pacific Northwest, I sit down with the CEO of the Everett Chamber of Commerce, Wendy Poischbeg, to break down the top 5 misconceptions people have about Everett. From outdated stereotypes to overlooked opportunities, we're setting the record straight and exploring what really makes this city special. In this episode, meet the Everett Chamber of Commerce CEO, dive into the biggest myths about Everett, and get the real story on what Everett is (and isn't). Whether you're a local, a newcomer, or just curious about Everett, this episode will change the way you see this city. Make sure to subscribe to this channel for more helpful wealthy homeowner info! PS - we help a lot of people get approved for a home loan in Seattle and the surrounding areas with same day mortgage pre-approvals. If you are relocating to Seattle or a first time homebuyer getting approved to purchase in Seattle, reach out for an immediate reply and mortgage pre-approval information! Reach out days/nights, we won't stop working hard for you to get your into your new home! If you found this info as valuable as I did, please share w/ someone you know! For more information, you can follow my mortgage blog at http://www.mymortgageguydan.com **Disclaimer: My name is Dan Keller, I am a mortgage professional at New American Funding in Kirkland, Washington. Since 2016 I've been recognized by Mortgage Professional Magazine and Scotsman Guide as a Top 1% Loan Officer in America. I'd love to connect with you if you have mortgage questions! You can reach me directly below :) Let me know your thoughts and questions in the comments below. If you found this information valuable, give me a thumbs and reach out to me if I can help you in any way! Dan Keller Lead Mortgage Advisor (mlo# 115349) (425) 350-7136 dankellermtg@gmail.com New American Funding 12220 113th Ave NE Ste. 120, Kirkland, WA 98034