Marie Bjornson knows how to make sense of the complicated maze that is the home buying process.* Marie and her team help you choose the financing that's best for you, and they save you time by streamlining the loan process, and keeping everything on schedule, so your home purchase - and your loan - close on time. Almost all our business comes from clients who refer their family and friends to us because they know they can trust our experience, dedication, and integrity.
Marie Bjornson, Branch Manager, is a Mortgage Banker in Bellingham, WA. Her team provides Mortgage Home Loans for Bellingham Real Estate throughout Whatcom County, and all of Washington State.
Marie Bjornson, Branch Manager, is a Mortgage Banker in Bellingham, WA. Her team provides Mortgage Home Loans for Bellingham Real Estate throughout Whatcom County, and all of Washington State.
Services
Our Team
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Marie is a Bellingham "native".
She holds a degree in International Business, with a minor in Latin American Studies.
She is a licensed CPA, having worked in the financial field for 20 years, and speaks conversational Spanish.
She has been active in real estate investing and financing for over 15 years, beginning in her early 20's.
Marie cleverly utilizes her combined real estate and financial experience to the benefit of borrowers for all types of real estate financing.
Marie enjoys cross country skiing, salsa dancing, and spending time hiking with her husband, Jerry and dogs - Australian Shepherd, "Lola", and Terrier, "Tanner".
She holds a degree in International Business, with a minor in Latin American Studies.
She is a licensed CPA, having worked in the financial field for 20 years, and speaks conversational Spanish.
She has been active in real estate investing and financing for over 15 years, beginning in her early 20's.
Marie cleverly utilizes her combined real estate and financial experience to the benefit of borrowers for all types of real estate financing.
Marie enjoys cross country skiing, salsa dancing, and spending time hiking with her husband, Jerry and dogs - Australian Shepherd, "Lola", and Terrier, "Tanner".
Financing Myths
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While one bank might have only a couple of loan programs available to the consumer, a mortgage banker is a licensed professional who offers a wider variety of rates and mortgage terms for you by accessing a network of lenders that includes major banks, credit unions and finance companies.
Furthermore, a mortgage banker is not beholden to any certain bank or lender, hence, there are no special interests involved to use specific companies.
In essence, a mortgage banker "shops" loans for you.
Also, loan rates can rise quickly.
Furthermore, a mortgage banker is not beholden to any certain bank or lender, hence, there are no special interests involved to use specific companies.
In essence, a mortgage banker "shops" loans for you.
Also, loan rates can rise quickly.
How to Stop Paying Rent and Own Your Own Home Instead
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You could be building equity - something that belongs to you and grows in value over time.
With the confusion about the types of mortgages, interest rate options, discount points, closing costs and down payment amounts, you need to rely on someone who SPECIALIZES in mortgage lending- not the advice of well-meaning friends and family.
Betsy and Andrew were tired of paying rent and having nothing to show for it.
On the way to the grocery store, Andrew saw an open house sign, with a bunch of balloons tied to it, lots of cars in the driveway-and decided to take a peek.
With the confusion about the types of mortgages, interest rate options, discount points, closing costs and down payment amounts, you need to rely on someone who SPECIALIZES in mortgage lending- not the advice of well-meaning friends and family.
Betsy and Andrew were tired of paying rent and having nothing to show for it.
On the way to the grocery store, Andrew saw an open house sign, with a bunch of balloons tied to it, lots of cars in the driveway-and decided to take a peek.
Shopping Around
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First: make sure you are working with an experienced, professional loan officer.
The largest financial transaction of your life is far too important to place into the hands of someone who is not capable of advising you properly and troubleshooting the issues that may arise along the way.
But how can you tell?
Here are four simple questions your lender should be able to answer correctly.
If they do not know the answers.
What determines mortgage interest rates?
The only correct answer is Mortgage Backed Securities or Mortgage Bonds, NOT the 10-year Treasury Note.
The largest financial transaction of your life is far too important to place into the hands of someone who is not capable of advising you properly and troubleshooting the issues that may arise along the way.
But how can you tell?
Here are four simple questions your lender should be able to answer correctly.
If they do not know the answers.
What determines mortgage interest rates?
The only correct answer is Mortgage Backed Securities or Mortgage Bonds, NOT the 10-year Treasury Note.
Facts & FAQs
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The answer depends on your situation.
The 30-year loan will have lower payments required and thus will be easier to obtain and make payments.
On the other hand, the 15 year home loan will likely have a lower interest rate, which will be beneficial.
Furthermore, the 15-year loan will be paid off in half of the time and will save you considerable money over the life of the loan.
Keep in mind, however, 15-year loans usually have higher payments, so be sure the proposed payment fits into your budget.
The 30-year loan will have lower payments required and thus will be easier to obtain and make payments.
On the other hand, the 15 year home loan will likely have a lower interest rate, which will be beneficial.
Furthermore, the 15-year loan will be paid off in half of the time and will save you considerable money over the life of the loan.
Keep in mind, however, 15-year loans usually have higher payments, so be sure the proposed payment fits into your budget.
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