Starting January 4th, the minimum reserve contribution for a full condo review goes from 10% to 15% of the HOA’s annual budgeted assessment income. Here’s the part getting misread: that’s a budget test, not a rule that the HOA must hold 15% of the building’s value in cash. It’s about how the budget is built, not the balance. Ask for the budget early. Part 3 is next, and it’s the good news: one change that helps make financing a condo easier. Real estate agents: did you think it was a cash balance? 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 2733 Colby Ave. Everett, WA 98201

You can have great credit and a solid down payment and still lose a condo. Every condo has two approvals: you, and the building. Your credit and income cover one. The HOA’s reserves, insurance and repairs cover the other. That second one just got stricter, and it’s where deals quietly fall apart. Part 2 is next. Ever had a condo deal fall through or get surprised by an HOA? Tell me below. 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 2733 Colby Ave. Everett, WA 98201

Do you have buyers who earn well but don’t show it on their tax returns? In this Monday Advantage replay, I walk through New American Funding’s deposit-based income program for self-employed borrowers, which looks at business and personal bank deposits instead of tax-return income. I cover who this program can help, from business owners and entrepreneurs to influencers, athletes, and high-net-worth buyers, and how you can be the hero by connecting these buyers with a lender who has a solution when a traditional bank says no. I also cover this week’s mortgage rate update and what’s been helping rates improve lately. The Monday Advantage is a free 15-minute Zoom for real estate agents, Mondays at 10 AM. Register once and you’re in for every week: https://us02web.zoom.us/meeting/register/MxgXj2wmQxm7ZXLq8AFn6w Who’s the most unusual self-employed buyer you’ve worked with? Tell me below. 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 2733 Colby Ave. Everett, WA 98201

Something flipped in the market this week. After three quiet weeks, activity is picking up, and the 30-year fixed average has dropped from the mid-to-upper 7s to about 7.125%. Here’s the perspective: a $700,000 home was $740,000 a year ago, with rates in the mid-to-upper 7s. Today it’s $700,000 at 7.125%. That’s about $550 a month in savings. Did you notice the shift in the market this week? 👇 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 2733 Colby Ave. Everett, WA 98201

Have you ever wondered how builder credits actually work? The biggest credit isn’t always the best deal. How you use it matters most. On Wednesday, Nov 18th at 6pm, we’re breaking down how buying new construction works, how builder credits are used, and how to qualify for the $20K Buyer Bonus inside a brand new Huseby home in Smokey Point. Free, and seats are limited, so save your spot now! happyhomebuyerclass.com/newbuild 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 2733 Colby Ave. Everett, WA 98201

Zillow Home Loans launched a down payment assistance program today to help homeowners who finance their home purchase with an FHA loan. Zillow Home Loans will cover your FHA down payment with zero interest in 43 states. How it works: No max household income requirements. Must qualify for FHA Mortgage guidelines. The 3.5% down payment assistance through Zillow home loans is forgiven if five years of on-time payments have been made. However… (here’s the “catch”, if you refinance or sell your home within the first five years of the mortgage, you must pay back the entire down payment assistance to Zillow Home Loans. And there’s the catch. People wonder how can a company pay for your down payment, they do that on interest and fees over a certain time period. The good news for all Washington state homebuyers is, we already have this down payment assistance program available, you can email me if you’d prefer more information! 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 2733 Colby Ave. Everett, WA 98201

How does a 7/6 ARM actually work, and when does it make sense for your buyers? In this Monday Advantage, Dan Keller explains ARM structure, the 2-1-5 rate caps, and the SOFR index, plus how seller credits can buy down an ARM rate and sometimes save more than a 2-1 buydown. Also covered: this week’s mortgage rate update, what the Fed’s latest decision means, and a simple framework for finding what’s really holding a buyer back: payment, cash to close, or loan balance. The Monday Advantage is a free 15-minute Zoom for real estate agents, Mondays at 10 AM PST. Register once and you’re in for every week: https://us02web.zoom.us/meeting/register/MxgXj2wmQxm7ZXLq8AFn6w What’s one thing you wish buyers understood about seller credits? Tell us below. Dan Keller | NMLS #115349 | New American Funding 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 2733 Colby Ave. Everett, WA 98201

Everyone talks about the price of the house. Almost nobody talks about what happens before you ever look at one. Know your true monthly cost, plan for closing costs, and get fully underwritten first. Do those three things and you walk into house hunting with real numbers instead of guesses. Which of these do you feel is more important? Let me know your thoughts! If buying a home in the next year is on your radar, email me and I will send you information on my FREE upcoming homebuyer classes! 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 2733 Colby Ave. Everett, WA 98201

Seller credits can do more than cover closing costs. In this Monday Advantage, Dan Keller breaks down seller credit limits for FHA, USDA, VA, jumbo, and conventional loans, plus how to use them for a permanent rate buy-down, a temporary buy-down (1-0, 2-1, 3-2-1), or a 7-6 ARM. Also covered: this week’s mortgage rate update and what the Fed meeting on October 27 and 28 could mean. The Monday Advantage is a free 15-minute Zoom for real estate agents, Mondays at 10 AM PST. Register once and you’re in for every week: https://us02web.zoom.us/meeting/register/MxgXj2wmQxm7ZXLq8AFn6w What’s one thing you wish buyers understood about seller credits? Tell us below. Dan Keller | NMLS #115349 | New American Funding 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 2733 Colby Ave. Everett, WA 98201

Your mortgage doesn't have to take 30 years. On a $700,000 loan at 7%, the payment is about $4,657 a month. Add one extra payment a year, spread out (about $388 a month), and you could be done in 23 years and 9 months. That saves roughly $239,000 in interest. It's not right for everyone, but it's worth knowing the math. Would you put an extra $400 a month toward your mortgage to save $240,000? Illustration only, not a quote. Based on a 7% interest rate, principal and interest only (does not include PMI, taxes or insurance). 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 2733 Colby Ave. Everett, WA 98201

Fall and winter are the slowest season in real estate. Sales activity drops 30 to 50%, and values typically soften about 5% by the end of Q4. That's seasonal and cyclical, not a crisis. For buyers, it shows up as seller concessions and offers accepted at or below list. Rates (about 7.3% on a 30-year) get all the attention, but timing matters too. Are you buying in the slow season or waiting for spring? 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 2733 Colby Ave. Everett, WA 98201

Mortgage rates are north of 7.5%, and the 10-year Treasury is the number to watch. Here's why. High inflation, strong wages and low unemployment are keeping rates elevated. This isn't 2008. Sellers may need patience and a price drop, but buyers have negotiating power they haven't had in 8 to 10 years. Where do you think rates land by 2027? Drop your guess below. 👇 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 2733 Colby Ave. Everett, WA 98201

This week’s FED rate hike (and possibly another one this year) explained, and how it will impact housing. I don’t trust or listen to the media. There’s always an agenda. My only agenda with this news is to help you better understand what this economy means to you and how you can ultimately benefit from it. I’m an 18 year Mortgage professional, who studies the market and simplifies market activity for my clients and the real estate professionals I get to work with. Let me know your thoughts on my market predictions, and DM me if you have any questions about how this may impact you. If you want to take advantage of an opportunity as a buyer in the PNW, this is a great time to build a plan as we head into 2027! 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 2733 Colby Ave. Everett, WA 98201

Save this one. Here's the formula I use with every client to build a budget before we ever talk pre-approval: 1️⃣ Gross monthly income x 0.36 = max comfortable monthly payment 2️⃣ That number ÷ 7.6 = your comfort price zone 3️⃣ Price zone x 6.5% = cash needed for closing costs + down payment Bonus: save 30% of your gross income monthly, then divide your down payment number by that to see how many months until you're ready. I walk through this live (with real numbers) at my Homebuyer Class. Does this match what you thought you could afford, or is it way off? 👇 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 2733 Colby Ave. Everett, WA 98201

Three groups have real leverage in this market right now, and it's not who you'd expect. First time buyers are getting seller concessions and offers at or below list price. Veterans finally have the advantage on their side. And sellers who don't have to sell first (double qualifying or a bridge loan) are in a strong spot too. Come learn more as I break this down at my Homebuyer Class each month (happyhomebuyerclass.com) or shoot me an email if you want to talk strategy. 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 2733 Colby Ave. Everett, WA 98201

"I don't want to waste your time" is something I hear constantly, even from people with great questions. So first: you're not wasting my time. The real question underneath it is usually "how soon is too soon to start prepping for a home?" If you're a year out, get clear on your budget, get fully underwritten, and know exactly what you're looking for. I cover all of this (and answer live questions) at my free Homebuyer Class every single month. Find our next one at happyhomebuyerclass.com What's the question you've been holding back on? 👇 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 2733 Colby Ave. Everett, WA 98201