Need help with financing?
Financing by Sterling Savings Bank - Home Loan Division
Jay has been in the mortgage lending business since 1999 as a loan officer, with a background in construction. He joined Action / Golf (now Sterlling Savings) in 2004.
His experience allows him to relate to his clients’ individual needs. Jay has strong knowledge of lending programs and guidelines, giving his clients the best programs available with the most competitive rates. He is passionate about guiding his clients through each step and helping them select the mortgage program that best suit their needs.
Jay is involved in his church, Rotary Club and Serve Moses Lake. He is married with 4 daughters, son in-law and grandson.
The majority of his new clients are referrals from satisfied customers and real estate agents who appreciate his knowledge, expertise and personal service.
If you are looking for a mortgage custom built to care for your needs, please contact Jay or Apply On-Line http://www.sterlinghomemortgages.com/jaysmith
NMLS #405738
In a hurry? Call 509.766.3625 to apply over the phone
Why Get Pre-Qualified?
- Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.
- While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.
- These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.
