Cascade Home Loans

read moreWe offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process. Our website offers a variety of online application options, and our experienced professionals offer superior quality support throughout the entire experience. Contact us today and let us go to work for you!

read moreCascade Home Sales & Loans was formed on the basis of providing more options, better pricing and better service than what the huge national companies could offer. Founder, Jase Stefanski has worked at four of those national companies and 3 of them are out of business. Jase has learned from many of the mistakes that those large companies made and committed himself to providing a level of service that he could control. He has had well over 2000 successful real estate transactions and over 25 years experience in giving his clients and friends the advice and service they truly need.

read moreJase and Phil have over 2500 successful real estate transactions and over 47 years combined experience in giving their clients and friends the advice and service they truly need. Set up a free consultation today to find out all your options. Take the first step towards getting solid counsel by completing our easy Online Application. Jase started originating mortgage loans back in 1993 while obtaining a Finance Degree from Linfield College. Jase opened Cascade Home Sales & Loans in 2005 to offer a better & more complete real estate experience after being a top mortgage producer for four different national lenders.

read moreThe pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer. Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.

read moreRefinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn't your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following questions to see if refinancing makes sense for you. Refinancing is an easy way to solve many of your mortgage worries. Getting a lower monthly rate and paying less over the life of your loan just makes sense. At Cascade Home Sales & Loans we're ready to find the right refinancing solution for you.

read moreThe following is a partial list of programs offered by Cascade Home Sales & Loans with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 360-254-0909. VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

read morePre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for. In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors. Ability to repay the mortgage is verified by your current employment and total income.

read moreWe will request documents only after you have (1) received a Loan Estimate and a Home Loan Toolkit, and (2) you have provided us with your verbal or written "intent to proceed" with the mortgage application. Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan.