Limited-Time Offer: 40 bps Incentive — Ends Tomorrow Night!
Great news! Mortgage rates continued their downward trend throughout February and have remained relatively stable, making this an excellent window for refinancing.
We are currently offering a limited-time 40 basis points rate incentive, available for:
⏰ Offer expires tomorrow at 12:00 AM (Eastern Time).
If you are considering a purchase, refinance, or cash-out, this is a great opportunity to lock in today’s lower rates before the window closes.
Important Notice: This 40 bps incentive does NOT apply to Non QM programs.
Points vs. Interest Rate: How to Choose the Best Option?
One of the most common questions borrowers ask is how to choose between interest rate (Rate) and discount points (Points).
This month, we analyzed a real market case study, breaking down how different rate and point combinations impact: Monthly payment, Total interest cost and Long-term cash flow
Key takeaway: There is no “cheapest rate,” only the “most suitable solution.”
General strategy:
Long-term homeowners / primary residence:
Buying points to secure a lower long-term rate can significantly reduce total interest paid.Short-term holders / investors / refinance within a few years:
Choosing a higher rate with fewer or no points can help preserve cash flow and improve ROI.
New Self-Employed Loan Option: P&L Loans
For self-employed borrowers, business owners, and freelancers, traditional income documentation often limits loan approval due to: Lower taxable income and Complex income structures
We now offer a P&L Statement Loan (Profit & Loss Mortgage Program) — a more flexible solution designed specifically for self-employed clients.
Key Benefits:
- Not limited to tax returns or bank statements
- Approval based on Profit & Loss Statement (P&L)
- Ideal for complex income structures with strong cash flow
If you do not currently have formal financial statements, we can also connect you with licensed accountants to help prepare compliant P&L reports, providing a complete, end-to-end solution.
Washington State Broker License — Final Approval Stage
Since leaving the Washington State market in 2023, we have been actively working toward re-entering the state by obtaining a Washington Mortgage Broker License — one of the most rigorous and challenging licenses in the nation due to its strict compliance and regulatory standards.
After extensive preparation and effort, we are excited to announce:
Our Washington State Broker License has entered final approval and is expected to be officially approved this Monday.
We are currently completing system and compliance setup, with plans to begin accepting Washington primary residence loan applications starting March 2026.
Click on the link to view today's home purchase/refinance rates: