Buying a home, whether for the very first time or not, is an exciting time. At Suncadia, we know how important it is for members of our community to purchase a home they will love for years to come, one that fits their lifestyle and that they are happy to come home to weekend after weekend. That’s why we have partnered with some of the best home builders, architects and lenders in Washington. Here, we chat with Kristin Jeffries of Fairway Independent Mortgage Corp.
Tell me about your role at Fairway Independent Mortgage.
Fairway has been in the mortgage industry for over 20 years. Specifically, my business partner, Shane Kidwell and I, have been working as featured lenders with Suncadia for the past two years. We have offices both in Kittitas County as well as the Seattle area to best serve our Suncadia clients. Suncadia is an amazing place to own a primary residence, second home or investment property. The community offers many options to become an owner including purchasing a completed home, buying a lot and building a custom home or purchasing one of the condo options. Our team is a Top 1% Mortgage Originator and we specialize in being the Suncadia financing experts! With all the ownership options, there are also a lot of financing options that are directly correlated to each of the different types of property that someone would purchase.
What is your expertise as as mortgage broker?
Over the last two years, our expertise has truly become all the financing needs within Suncadia and those specifically include Jumbo Home Loan Financing, Conventional Financing, Suncadia Condo Financing (as the condos within Suncadia require a specialized lending product) and Custom Construction Financing. I have been working with Suncadia Homeowners for over 12 years. In addition to this experience, Shane is also a homeowner within Suncadia and personally went through building a home in the community.
Between Shane and myself, we have worked with more than 50 families to purchase homes, condos or build their dream home in Suncadia.
Finding the right mortgage broker can be challenging. What do you think are the right questions to ask a potential lender?
Navigating the home loan process can feel like an overwhelming experience, and even more so in Suncadia where there are many different types of products that you can purchase. At the end of the day, all mortgage originators operate on the same mortgage market that drives interest rates, fees, etc. but I believe the right questions to ask are more directly related to how purchasing in Suncadia would look for each client.
A couple examples would be: “What would financing options look like for us if we bought a home currently on the market vs purchasing a homesite and building a custom construction?” Another question to ask is, “How do Homeowners Association dues, taxes and insurance influence each of the different purchase options in Suncadia?” Purchasing in Suncadia is truly about understanding what each product offering looks like from a financing perspective and how each option would benefit each client.
As a lender, what is your goal? How do you best serve your customers?
We believe in partnering with our clients and each Suncadia Real Estate Agent to find the best home and home loan combination that fits the client’s specific needs. Our goal is to always add value to the mortgage loan process and educate each client about every different financing option within the resort and the pros and cons to each option to their specific situation. We are always going to be the lender who asks you about your goals, family and what you are looking for in a lending partner. From there we work with you and your realtor to educate you about the home buying process in Suncadia.
How is your mortgage approach different or unique?
We have the expertise but we also offer Suncadia knowledge and local knowledge of the area. We are unique because we believe in being a Suncadia financing expert and advisor to you during the entire process. We always go the extra mile to ensure we meet and exceed your purchase and financing goals.
Want to learn more about Kristin Jeffries and Fairway Independent Mortgage? Contact her at Kristin.Jeffries@fairwaymc.com