As I am sure everyone has heard, rates are near all-time lows. My phone has been ringing off the hook with new and old clients trying to take advantage of the sub 5% interest rates that are available right now. !!!NEWSFLASH!!! There is a refi wave rolling through the entire nation and lenders are entirely SWAMPED! Turn times have increased, Wells Fargo today released a note saying to lock no shorter than 45 days and were wanting 60day locks to be safe. Some lenders like Chase reprice for the worse half way through the day (even when the MBS Bond market is climbing and showing no reason for a reprice) to keep new applications from coming in. They don't have the manpower to process and underwrite the amount of loans they have. The lenders that were starving for loans a few months ago have more than they can handle! We are in unprecedented times. Sure we had refi booms in the past. As early as a few years ago, but the army of Underwriters were there to take on the load. With the lenders losing money hand over fist this past year major cuts were made, and the processing and UW departments were not spared. Now with the immense amount of applications submitted, they can't keep up! It is now common to see loans take up o 22 BUSINESS days from submission to funding! Guess what? I have not experienced these turn times. Matter of fact, I just closed a purchase in less than 2 WEEKS from start to finish. Why? We do EVERYTHING in house! We have our own processing and underwriting team, great relationships with title companies, and appraisers. Our streamlined system offers 24hr UW turn times, and on top of all this, we have some of the best rates out there! If you have a purchase transaction that needs a quick turn time, give me a shot. If you are looking to refinance, but don't want to wait a month or more for the transaction to go through, give me a call. With turn times only going to get WORSE in the near future, I pride myself on my speed, accuracy and white gloved service. I guarantee you will be impressed.
I am not the only Loan Officer experiencing this.
But not so bad for Spokane Valley. CQ Press City released their annual Crime Rankings today and Spokane out-ranked Seattle and Portland, while Spokane Valley, Bellingham and Bellevue came in toward the bottom of the list. In Idaho, Boise and Nampa also came in toward the bottom.
"We're faced with more and more violent crime than in the past," said Spokane Police Sgt. Joe Peterson. "It's a more violent world for sure."
Here is how the Washington and Idaho cities stacked up on the list. FYI 385 cities were polled nationwide.
No. 39: Tacoma
No. 55: Everett
No. 84: Yakima
No. 98: Kent
No. 123: Spokane
No. 165: Seattle
No. 166: Federal Way
No. 192: Vancouver
No. 220: Nampa, Idaho
No. 258: Boise
No. 274: Bellingham
No. 299: Spokane Valley
No. 337: Bellevue
After graduating from the University of Oregon, a good friend of mine moved to Seattle to begin his career. An avid UO Duck football fan, he found it frustrating to find a local bar to watch his Alama Mater play on Saturday. He knew he couldn't be the only one, so he developed:
University of Oregon graduate Ryan Lewis '02 founder of www.FanSpan.com has a solution. www.FanSpan.com gives sports fans the opportunity to search for a local, fan-friendly sports environment to watch their favorite teams. The website locates and categorizes these bars/restaurants as watch sites, and identifies them by the teams and sports they associate themselves with.
Lewis says, "Our vision for FanSpan.com is to connect sports fans in both a virtual environment as well as a physical one. With FanSpan.com, people will be able to find a local fan-friendly atmosphere to watch a game, get a hold of old friends, and make some new ones. We want to help foster the community that sports create."
"Macadam's Bar & Grill (an Official UO Watch Party Location in Portland, OR) is one of many watch sites on FanSpan.com," said proprietor Ryan Steele. "FanSpan.com allows us to promote our establishment to sports fans looking to watch their favorite teams, but it also allows us to promote other events that are going on that will appeal to our patrons as well."
Membership on FanSpan.com is free; however, non-members will be allowed to use the watch site search function. Logged-in members have the ability to:
~ Search for watch sites
~ Review and critique watch sites based on different criteria
~ Upload personal photos and videos to their profile
~ Locate friends and fans in their community or around the nation
~ Post blogs
~ Create and join groups
The current watch site list covers over 2,500 bars and restaurants across the U.S. pertaining to the following sports: Football (NFL & NCAA), Soccer (MLS & English Premier), Mixed Martial Arts, NASCAR, Basketball (NBA & NCAA), Hockey (NHL & NCAA), Rugby and Baseball (MLB & NCAA).
To sign up, go to FanSpan.com.
My, recently married into the family, greek brother-in-law had told me about Opa! Pizza and Greek Cuising in north Spokane months ago and today I finally had the chance to check the place out. Short and to the point, it will NOT be the last time to go! That's for sure!
I met my wife and daughter there for lunch. Unfortuantely, I did not have a chance to check out their pizza (which they boast is the best in Spokane), however you know I am next time we go there! Both my wife and I ordered the gyro and my daughter tried their pita pizza. We all loved it. Prompt attentive service that was perfect. There seemed to be an extensive wine list and the menu blends Greek and Italian flavors. Amazing appetizers, salads, soups and pastas, as well as authentic family recipies from the kitchen.
Opa strives to have fresh, authentic Greek and Italian cuisine, and consequently they receive many compliments for this authenticity. My borther-in-law absolutely loves it and reminds him of his grandmothers home made dishes...especially the baklava!
Branch out and check something out that North Spokane lacks - a selection of cultural foods. Below is the website to their restaurant and feel free to fire off any questions to me about it. I loved the place and would be thinking of going back for dinner if I wasn't so full!
Opa Pizza is located on the corner of North Newport Highway and East Hawthorne Road.
After graduating from the University of Oregon, a good friend of mine moved to Seattle to begin his career. An avid UO Duck football fan, he found it frustrating to find a local bar to watch his Alama Mater play on Saturday. He knew he couldn't be the only one, so he developed:
University of Oregon graduate Ryan Lewis '02 founder of www.FanSpan.com has a solution. www.FanSpan.com gives sports fans the opportunity to search for a local, fan-friendly sports environment to watch their favorite teams. The website locates and categorizes these bars/restaurants as watch sites, and identifies them by the teams and sports they associate themselves with.
Lewis says, "Our vision for FanSpan.com is to connect sports fans in both a virtual environment as well as a physical one. With FanSpan.com, people will be able to find a local fan-friendly atmosphere to watch a game, get a hold of old friends, and make some new ones. We want to help foster the community that sports create."
"Macadam's Bar & Grill (an Official UO Watch Party Location in Portland, OR) is one of many watch sites on FanSpan.com," said proprietor Ryan Steele. "FanSpan.com allows us to promote our establishment to sports fans looking to watch their favorite teams, but it also allows us to promote other events that are going on that will appeal to our patrons as well."
Membership on FanSpan.com is free; however, non-members will be allowed to use the watch site search function. Logged-in members have the ability to:
~ Search for watch sites
~ Review and critique watch sites based on different criteria
~ Upload personal photos and videos to their profile
~ Locate friends and fans in their community or around the nation
~ Post blogs
~ Create and join groups
The current watch site list covers over 2,500 bars and restaurants across the U.S. pertaining to the following sports: Football (NFL & NCAA), Soccer (MLS & English Premier), Mixed Martial Arts, NASCAR, Basketball (NBA & NCAA), Hockey (NHL & NCAA), Rugby and Baseball (MLB & NCAA).
To sign up, go to FanSpan.com.
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We offer custom tailored mortgage options on land, construction, investment, stick built and manufactured homes. ~ Dream Homes deserve Dream Loans ~
Hello. My name is Casey Brischle. I am a Mortgage Loan Officer for the Bank of Whitman in Spokane, Washington. I specialize in obtaining the best home loan possible for all my clients. Working for a local, independent, employee-owned bank has numerous advantages over the large national chains when it comes to lending in Spokane. As a local bank we treat each individual as that, an individual. You are not a number and we don't try and put you into a one-size-fits-all loan. We listen to your needs and actually get to know you, and what you want out of your transaction. As a mortgage loan officer, I am not only skilled in loan origination, but also in aspects of loan servicing, underwriting and escrow procedures, which enables me to have a full understanding of the market and factors affecting my clients. With Bank of Whitman's in-house lending capabilities coupled with access to secondary mortgage markets, I assure you I have access to the best mortgage programs with the best mortgage interest rates.
I was born in Richland, WA, and raised south of Seattle in a city called Federal Way. After high school I attended Gonzaga University where I graduated, obtaining a Business Administration Degree with a double concentration in Marketing and Finance. While at Gonzaga I fell in love with the Spokane area and decided this is where I wanted to settle down, live my life and raise a family. After college I took a job with a local start up technology company and helped it become one of the fastest growing private companies in the nation (Inc Magazine's Top 500). I then redirected my career and worked at a "refinance mill", but quickly found out that it wasn't for me. The Bank of Whitman hired me on to grow and develop the Residential Mortgage side of the Bank. I love every aspect of the bank, from co-workers, to clients, to products offered. In addition, continuing education is important to me and I am currently studying for my CMPS designation. I am aways on the lookout to learn and grow both professionally and personally and am always striving for perfection.
Giving back has been a part of my life since childhood. Not only is it rewarding, but each experience can provide invaluable education that can not be taught or found in books. So when I am not working, much of my time is involved with my local community: I am currently a member on the St. Joseph's Family Center Community Relations Committee, my wife and I both serve as members on the Gonzaga Alum Service Committee (Spokane Chapter) and regularly volunteer at our local Habitat for Humanity on the weekends. We are always contemplating and looking for more ways to get involved.
During my down time, you can find me on the golf course, running, or just at a local lake or park hanging out with my wife Christine, daughter Isabella ("B"), son Maxwell and our black lab Beau. I am also a die-hard Gonzaga University fan! As a season ticket holder to the men's and women's Basketball, much of our winter is taken up attending games as is the spring with GU Baseball games.
GO ZAGS!
* All areas of purchase - from first time home buyers to investment properties, from stick-built to manufactured Homes * Same day approvals I've been working in the mortgage industry for over 2 years now with a financial background stretching over 7 years, and I can say I still don't know everything about this industry and am continually learning every day. I do know, however, that this industry thrives on service. It's about doing what's best for the client and their loved ones. It's about educating the borrowers on how the entire process works and making sure communication stays strong from initial application to closing. It's about making sure the borrowers are happy with the product and, ultimately, making clients for life. I strive for perfection and I want to be the best, because I believe this is what my clients deserve.
* Refinance with debt consolidations, cash-out or rate & term
* Conventional and Jumbo loan products
* Construction Loans - for builders and residents
* Land/Lot Loans
* Strategic Alliances - helping you sell and move your inventory
* Guaranteed quick and accurate turn-around w/ in-house Processing and Underwriting
* 3 Convenient Locations -- Downtown, Airway Heights and Wandermere
* Personally available 7 days a week to serve YOU!
** Specialty locations: WA, ID, OR, CA, UT **
Ability to lend in all 50 states!!
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I can provide and do everything listed above, but there's more to it than just a list of products, isn't there? You'll be hard pressed to find a loan officer on here who doesn't have access to the same mortgage products. There is some deviation, but it's all very similar. Buying or refinancing a house goes deeper than just the rate and program that is on your paperwork. I pride myself on educating the borrower. It is my goal to make sure there isn't one ounce of doubt or confusion in their minds. After all, this is more than likely their biggest investment, and honesty and integrity are essential components when dealing with people's money.
I found Casey to be a true professional and honest business man. We found a house and the owners really wanted to close quickly before the end of 2008. That gave us just over 2 weeks to get the loan done. Other lenders told me there was no way this would happen and that anyone who told me they could get it done was lying. Well Casey came through for me and we closed ahead of schedule. His fees were fair and he even showed up at the closing to make sure there were no last minute glitches. You can't go wrong with Casey if you are in need of mortgage services.
~ D&M Tschope Casey was great to work with. He was very prompt in responding to our needs and was very professional. We only had 2 weeks to put our loan together and Casey came through with flying colors. The rates were also very competitve. ~ H Rasche
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Thank you! Thank you! Thank you for getting us out of our ARM and into a 30yr fixed mortgage! You truly listened to our concerns and did everything we needed you to do. I couldn't believe we could refinance and get a lower monthly payment. Will definitely recommend! -- J&A Lynch
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By far the smoothest, and quickest, refinance we've ever done. And, I don't know that we timed it as much as you encouraged moving on that rate, so we're really happy with you and the Bank's services. Thank you so much!
-- D&M K.
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