Blog by Ryan Ward

Seek a Qualified Mortgage Consultant to Ensure the Best Results

November 30th, 2009

Home Buyers Face Decisions that Affect Their Long-Term Financial Picture

By Ryan Ward, Mortgage Banker
HBT Mortgage Services

SEATTLE, WA - Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available, and it is imp ...

Renters Have Much to Gain by Pursuing Home Ownership

November 29th, 2009

Renters Have Much to Gain by Pursuing Home Ownership

By Ryan Ward, Mortgage Banker
HBT Mortgage Serivces

SEATTLE, WA - Buying a home vs. renting is a big decision that takes careful consideration, as most mortgage consultants will agree. But the rewards of home ownership are great. For many years, purchasing real estate has been considered an extremely profitable investment. It is an achiev ...

Why Refinance Back into a 30 Year Loan?

November 29th, 2009

Refinance Your Mortgage for Rate and Payment Reductions

By Ryan Ward, Mortgage Banker
HBT Mortgage Services

SEATTLE, WA - One of the biggest reasons homeowners refinance their mortgage is to obtain a lower interest rate and lower monthly payments. By refinancing, the borrower pays off their existing mortgage and replaces it with a new one. This can often be accomplished with a no-points no- ...

11/25/09 Mortgage Rate Update

November 25th, 2009



Seattle mortgage rates for November 25th 2009. Ryan Ward, Seattle Mortgage Banker, gives updates on current rates for Conventional, FHA and VA mortgage loans.

From last week, rates are up about 0.1875% for all Conventional, FHA and VA mortgage loans. I predict that we will start to see rates slowly rise by the end of the year. The Fed has announced that they plan to ...

11/17/09 Mortgage Rate Update

November 17th, 2009



Ryan Ward, Seattle Mortgage Banker, gives an update on mortgage rates for the November 17th 2009.

Rate updates for Conventional, FHA, and VA loans.

Across the board, rates are at the lowest they have been in quite a few months. The fed announced last week that they intend to stop buying mortgage back securities which will ultimately have a negative effect on interest ra ...