Andy Fernando
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I look forward to helping you with your next home purchase or refinance!
06/12/2026
Summer is finally showing up in the Pacific Northwest!
Mortgage markets moved slightly higher this week as jobs data remained solid and inflation continued to run a little hotter than the Fed would like. Most expect the Fed to hold rates steady next week, but all eyes will be on the first Fed meeting under new Chair Kevin Warsh.
As of today, Mortgage News Daily (MND) reports the national average for a best-case 30-year conventional loan at 6.60%, with FHA and VA loans both in the low-6% range nationally.
If you're buying, selling, or refinancing, having a plan for rate locks and financing strategy is more important than ever.
06/11/2026
Great bones here, but needs some imagination. Hard to find four bedroom rambler with primary suite bathroom. Hardwood floors through most of the home. Over sized two car garage plus large shop in large back yard. Two masonry fireplaces, one with wood stove. Almost new natural gas furnace.
MLS #:2533613
https://haakenbrucejohnson.withwre.com/listings/my-active-listings
06/10/2026
I love receiving 5-star reviews from clients and business partners, but feedback like this from our own underwriting team means just as much.
When an application is submitted on 5/26, approved on 6/1, and receives Clear to Close on 6/9, all with a scheduled close of 6/25, that's not luck—that's the result of a great team working together from start to finish.
I'm incredibly grateful for the processors, underwriters, closers, and support staff who help make smooth transactions possible every day.
If you're looking for a lender who values communication, teamwork, and efficiency, let's connect. I'd love to show you what a well-executed mortgage process looks like.
Don't Go It Alone When Deciding to Lock Your Rate
One of the biggest mortgage decisions you'll make is when to lock your interest rate. Markets can change quickly, and a small rate movement can impact your payment for years to come.
Having an experienced mortgage advisor in your corner means you're not making that decision based on headlines, social media posts, or guesswork. You're making it based on market analysis, your timeline, your goals, and your tolerance for risk.
A good advisor won't predict the future—they'll help you understand your options and make an informed decision.
🏡 Knowledge beats guesswork every time.
Rate Lock Tip: 📈🏡
When it comes to locking your mortgage rate, hope is not a strategy.
A good rate lock decision should be based on your timeline, risk tolerance, market conditions, and overall financial goals—not guessing what rates might do tomorrow. Sometimes locking early is the right move. Sometimes floating makes sense. The key is having a plan before market volatility makes the decision for you.
Every borrower is different. Make sure you have a strategy, not just a prediction.
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