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VA Purchase - VA Refinance - Zero Down VA Loans - VA Streamline - VA Disability - VA Real Estate
Spokane, Washington VA Home Loans - Since 2005 (Veteran Owned And Operated)
- 0$ Down VA Home Loan to $417,000
- VA Service connected disability as low as 10% saves thousands
- VA Eligibility can be used more than once
- VA Streamline your existing VA Home Loan to a lower interest rate
- Refinance and cash out your present home and receive 90% of it's present value with a VA Loan
- VA Loans, the seller can pay all of your closing costs
- Veterans can do a VA Loan 2 years after a bankruptcy
We Have Helped
- U.S. Army
- U.S. Navy
- U.S. Air Force
- U.S. Marine Corps
- U.S. Coast Guard
- Army National Guard
- Navy Reserve
- U.S.M.C. Reserve
- Army Reserve
- Air Force Reserve
- Coast Guard Reserve
- VA Loans have no mortgage insurance
- VA Home Loans work for Reserve and National Guard components with 6 full years of service
Call now to let us help you get a VA Home Loan! Spokane WA VA Home Loans
Why Wait? Call Your VA Home Loan Experts Today! 509.321.3278 800.920.5420 Office hrs: 7am - 6 pm Mon - Fri
Find out about all the great VA Home Benefits you have earned! Spokane VA Real Estate Loan
Creekside Mortgage Inc. donates $100 for every VA home purchase closed in the name of the borrowing Veteran. This donation provides college educations to children of fallen military soldiers.
Make Hay While the Sun Shines !!!
September 1st, 2010
While the economists will tell you were STILL in a recession, and that the future is bleak, there is still a market to be had out there. You can either sit around and buy the garbage that spills from the Lame Stream Media, or get on with your life and be positive and thankful for what you do have !! Attitude will determine your altitude folks. Its nothing new, and you’ve probably heard it before.
In the mortgage world it seems were in a purchase or refi boom. Well I’m here to tell you that we have No Boom going on, however we have a Blast of both !!! Its a GREAT Time to purchase. You can not argue that. Its a GREAT Time to refi due to rates. You cannot argue that. You have to position yourself to take advantage of both sides of the coin. If your selling in another capacity, then you have to find that happy medium where you are able to leverage your strengths and your market!! You have to be able to give a little more to recive a little more. It wont just come walking in your door. Your going to have to go kick some doors down in order to find the ones that are going to deliver. Leveraging yourself and your talents is a great way to begin the fall, the changing season that is upon us. Invest some time into yourself. Find out the best way to do that, and make it sooner that later !!!!
Kevin J. Lawson
Change of season……. Fall into “new” habits……
August 9th, 2010
We are in August…….the last month of summer…. vacations and camping trips are in their last stages, and school is just around the corner for those of us that have children. Its bitter sweet this time of year. For it feels as if summer just got here a week or two ago and now its going to be coming to an end. For some its something to look forward too, a change of season…….maybe a different sport is getting ready to embark on a new season…… for some its just plain painful; nothing to look forward to, a summer long gone and a long drawn out winter lye ahead.
Either way you look at it, we can all “fall” into something positive. Most of us enjoy our summers and have had a pattern of taking off early on Fridays, or taking the frequent Friday off all together to make a long weekend a little more enjoyable, for camping or other excursions. Now that fall is near, we could all benefit from an adjustment in our work habits. One adjustment can be very beneficial, and that is attending a sales/motivational work seminar. What better time to go to a seminar and tune up your work habits and learn new techniques, than at the end of summer. If your in a sales environment, this could be a like a professional spa-day for your mind…..seriously !!
Your coming out of a three month period where it has been difficult to focus 100% of your energies on work….now is the perfect time to go to a seminar; one to three days of professional mind massaging!! Its the perfect tune-up to set your sights on the fall, winter, spring seasons ahead. Go into it with a positive attitude and gain all you can, then set new goals and achieve them!!!! Don’t hesitate or it could be a LONG HARD WINTER !!!!
Kevin J. Lawson
Good Times, Bad Times…..
July 19th, 2010
Were all aware of the state of the economy, the job market, and the ever increasingly hostile political environment. No matter where you turn, it seems that were not able to steer clear of any of the negative publicity that currently clogs our tv sets, computer monitors, and talk radio channels. Too much of one thing can be harmful if were not careful or cognizant of how much we are taking in of the negative talk. Its good to take a break from the political/news programs, the radio talk shows, the online information……it can be overwhelming and in these current times its not too difficult to be overloaded with all of this information……its generally not all positive……
Once again…. know when to say when……is enough !!! Take periodic breaks from all of the exposure you get from all this negativity, and exercise, ride your bike with family or friends, work in the yard, or garden etc.. Just make sure to get some positive re-inforcements on regular intervals. I know that I have been guilty of drowning myself in this previously and it can be very overwhelming, and make you feel helpless. Not all of whats on tv, online, or on talk radio is negative, but is sure can feel that way at times.
Kevin J. Lawson
Honoring the World War ll Vets……
July 15th, 2010
Having attended the local county veterans resource committee meeting yesterday, a very special program was brought to our attention. The program is Honor Flight, and it will transport any World War ll Veteran free of charge back to Washington D.C. in order to view the World War ll Memorial, as well as the rest of the sites that pertain to our rich history and the battles and wars that we have participated in. This is a great program.
If you know of any surviving World War ll Veterans you owe it to them to spread the word. The Veteran can fly free of charge, there is lodging and meals included and if the Veteran needs an assistant (almost guaranteed) they can accompany the Veteran for a mere $350.00. That is quite a bargain. So for 48 hrs your off to Washington D.C. and visit the Memorials, your staying in very nice accommodations, and have meals provided as well. What a fabulous program……. and who deserves it more……… The World War ll Veterans deserve this !!!!!
Kevin J. Lawson
Tidal Wave..
July 12th, 2010
Having just spent the weekend at the beach…..Long Beach, Washington that is……on our Church camping trip at the Dunes Bibile camp….. was a fantastic time. I believe we all get caught up in work, and the intensity, the anxiety, the stressfulness, and the daily grind. We have to allow ourselves time to recharge. Everyone needs a break from our jobs and to be able to get away, and enjoy something we really like with families or friends.
Our family really enjoys camping and the outdoor life in the Great NorthWest. Regardless of your likes, or hobbies we all need to get out and enjoy our surroundings. There is so much to do here in the Northwest, whether its fishing, or river rafting, motorcycle riding, horse trail riding and on and on……. Please dont let anyone even remotely try to tell you there is nothing to do here in the great NorthWest…..that is a bold lie if there ever was one…… Enjoy what we have at our disposal here in the Northwest……for its truly a Tidal Wave of beauty …….if you only open your eyes and heart to it…… Sometimes it can be overwhelming…….
Kevin J. Lawson
Change of Season
July 8th, 2010
So one can not help but notice (depending on your geographical location) the dramatic change in season that has taken place over the past week or two. The fourth of July weekend for many was cloudy and 70. Not great but it could have been alot worse I suppose. Here it is a few days later and its approaching one Hundred degree’s. Outstanding…… we go from cloudy and cool to a Massive heat wave in a 48 hour time period and no wonder people get a little irritated here in the northwest with that kind of swing in temps.
You know you can draw a very similar line in life, from the adversity that comes your way in short order….One can adapt, overcome and embrace the change or resist, dislike and just complain about all of the change that comes your way. I believe that its no secret that one’s attitude is the greatest single factor in determining your outlook. I’m not perfect by any means however if we roll with the changes in a more positive manner, we stand a better chance of making it thru the day and through life with less turmoil.
So when you recognize that spring or winter is over, and your going into that new season…….Summer, make a mental note to roll with the changes, and with that try to up your game…..Do your best to implement something new……. a game changer so to speak…..try it….. embrace change, because its always going to be around the corner.
Kevin J. Lawson
Relationships…
March 2nd, 2010
Throughout our busy day we come in contact with numerous people; the degree to which we know others of course varies, however the perception of how another see’s us can determine so much. So take into consideration your daily activities and, compress the entire work day and free time into a single snapshot. Are you happy with what you see ?? Is there room for improvement ??? While engaging others throughout your workday did you put forth that extra effort to come across extremely happy, excited and positive?? Or did a disagreement you had with your significant other seep through to your day…….did you come across a bit negative with a bit of a sting in your personality……..??
For how we come across at work and outside of work may go a very long way in terms of your next sale or relationship building that you have taken months to groom. We should not take it for granted that others will look past our imperfections, as one lousy day at the office is all it may take to break a long standing relationship that could have possibly landed you many upcoming sales or transactions. Always be cognisant of the fact that were always on stage. As brokers, loan officers, and real estate agents, we have to put our “A” Games on every single day and be ready for interaction with anyone at any time !!!! And just as importantly be ready to deliver !!!! Thats what separates mediocrity from big time success. Being able to make clutch decisions, delivery, and execution, versus choosing to go with the flow.
Kevin J. Lawson
Hitting the Road
February 22nd, 2010
I have been in the mortgage industry for nearly 10 years now. I’ve been in this business just long enough to have been through a few ups and downs. Recently I made a road trip through central and eastern Washington to call on Agents and visit local VA institutions. This particular trip was going to be the first of many in which to lay a foundation; laying a foundation and building relationships are a critical part of any successful marketing/sales strategy. I really enjoyed visiting with the different agents as they all have a little different take on what is going on in their community, how the economy is affecting them and what they are doing in order to stay successful.
While in Yakima I visited Jerry Heyen, of Creekside Realty. Jerry noted that the Yakima market was steadily moving along, and that homes in the $150k were most active. While in Wenatchee I met with Doug Andrews and Perrin Cornell, of Century 21 Exclusively. While meeting with Doug and Perrin of Century 21 Exclusivley, the discussions pertained to the market, market niche’s that we could penetrate, and how well the Wenatchee market has held up in the overall poor economy. There are only a few pockets in the entire nation that have held its head above water in terms of Real Estate Values and Wenatchee is one of those area’s that can attest to this.
While in Ellensburg I visited with Del Knudson of John L. Scott, Fran Stolen of Kelley Realty, and Jennifer Savage of Windermere Realty. All were amazing individuals and top shelf agents, you get the sense these agents all had one thing in common. They had a great sense of community. Every single agent genuinely gave a glimpse into what was going on their community; this is huge as it is a direct reflection on them as people and as agents. They truly are engaged in day to day life in Ellensburg.
I ended my trip in Spokane Washinginton and had the priveledge of meeting with Jeannette Karis of Re/Max of Spokane. Jeannette has held the title of Spokane Area Realtor President, as well as ABR, CRS, GRI, SRES, SFR. Very highly decorated and knowledgeable in her industry Jeannettehas a firm grasp on the pulse of her community as well. We discussed the market climate in Spokane and laid down some initial strategy to incorporate both of us in order to leverage our marketing in the area. Jeannette has many successful years of interaction with the VA client base, and has a strong reputation in the industry as well as with the VA community, as she serves in several capacities within the VA network. Once again community is the common denominator.
Kevin J. Lawson
Flexibility & Creativity at Work
February 2nd, 2010
Flexibility and creativity dont exactly come to mind when you think about the mortgage or real estate environment, however as sales people, were constantly tasked to be ever more creative…….get deeper into a niche, create a new a new niche, and be ever vigilant with our creativity.
The more that employees are encouraged to think creatively and apply that creativity, the more flexible in practice and nimble in responsiveness a company becomes. When you take pressure off people to come up with a “big” idea, you encourage the creativity that can bring about incremental innovations. As a result, a new service or product offering may emerge, but it’s more likely that you will optimize your operations for cost, quality, efficiency, and speed.
At its core, innovation is applied creativity. And, it is my belief since I have seen it for years is that most employees can be encouraged to be creative, if you want them to be.
How can you encourage small innovations?
Think small. The beauty of small innovations is that they focus on immediate concerns, not on finding game-changing products. Encourage your people to find a solution to a problem, or a better way of doing things.
Try posing questions: How can accounting streamline billing? How can customer service resolve issues on the phone without supervisor intervention? How can product engineers find more time to spend with customers? Using such questions will get people generating ideas. Not every idea will be brilliant, but that’s the point. You want to collect ideas, refine them, and select the best for implementation.
Implement locally. Since most small innovations are limited to a department or a function, put them into action as soon as possible. If the idea does not work as expected, don’t abandon it immediately — see if you can tweak it. Implementation itself can be creative and sometimes it takes several tries to make innovative ideas work as expected, or beyond expectations.
Promote widely. You need to recognize those who think of and support the innovations. Many organizations provide incentives for such efforts, from gift coupons all the way up to substantive bonuses for innovations that positively affect the entire company. The important thing is to recognize the right people, and to do it in a timely fashion.
Encouraging small innovations is only part of the management equation. Execution of the innovations is critical. No amount of applied creativity can make up for slipped deadlines, blown budgets, dissatisfied customers, or unbalanced profit and loss statements. You need to focus on the details to get things done.
You may also discover another benefit from your small innovations: tapping into the collective brainpower of your employees. They are your collaborators, and by treating them as such you make it known that you welcome their ideas and will reward them. For when employee’s realize that they playing as a team and idea’s and new innovations are welcomed you create a more vibrant culture….. a more relaxed and open atmosphere..less constrictive environment.
In the Mortgage industry, one that is more and more regulated we dont have wiggle room that allows us flexibility. However the way that each broker, or mortgage bank runs their own business, there is room for improvement; there is room for more efficiency. In the mortgage industry nothing has been perfected…..not that I’m aware of anyhow….so put the brain to use…….challenge yourself to be creative and see if you cant land an idea worthy of approaching your manager with and implementing that cost or time saving vision.
Kevin Lawson
Sunshine, Change and Embracing it all…..
January 28th, 2010
Having been in the industry long enough to see several ups and downs, this new set of changes set upon us in 2010 is not the end all. At least for myself and the fine folks at Creekside Mortgage, Inc.. We have all tried to prepare as much as possible for the events that have unfolded and maybe some were more prepared than others here at Creekside Mortgage, Inc, however our attitudes as a group have propelled us to an altitude that will allow us to make it through the adversity that awaits us.
I had the opportunity to go to Atlantis, in the Bahama’s recently and upon my return didnt expect anything out of the norm upon returning to work. Other than having had such an amazing time that I wish I could have stayed one more week. I made a promise to myself prior to going. I was going to make it through this season of change…..in which my personality allows me to embrace change, pull the positive out of it and get on with life. Some individuals may find change a little more uncomfortable. For those that do, I’m not exactly sure how to advise you to better look at the situation (change), however, like any adverse situation that comes your way, attitude is KING !!! So keep that in mind while traveling through life.
I came back from vacation to find that everything was fine, we are all having to deal with the same issue’s and no one has a sense of panic or fear (at least not to my knowledge) and everyone is committed to going forward, making the charge to get to the front line’s, win our battle and go home and feast on the knowledge that we, and you can conquer what you set your mind to. I am not saying that there wont be hardship, because anything worth succeeding at is going to be tough. Its true, it really is. So while your going through your day and that thought that might creep into your mind says, “this isn’t worth it”, stop and think about a couple of things. This change is good for you and the industry, if your providing sound professional and honest transaction advise, and your morals and value’s are in the right spot. If not you might want to look to another profession and I promise this is another “thinning of the heard” so to speak. Every time that such change comes our way another group of loan officers, brokers and all of the support staff it takes to make it happen bail on the industry. So, stop and think about it before you throw in the towel, unless your in it for the wrong reason to begin with, be my guest and hit the road.
Kevin Lawson
Article Archive Page 2
Testimonials
"We would like to thank you for all the hard work you put in getting our VA refinance through so quickly.
"We have bought other properties in the past and I can honestly say that the Creekside Mortgage process was VERY quick and relatively painless. We had originally applied to refinance our conventional loan into a VA loan back in May, but the rates were on the rise and you advised us to wait for the rates to come back down. You kept contacting us as the rates came down and as soon as it looked like they were not going to drop anymore you let us know and the processing started...we closed in about 20 days...that was QUICK! Every other loan we have ever gotten, VA or conventional, has taken more than TWO MONTHS to close after getting all the application stuff done.
"You were with us every step of the way, letting us know what the next step would be, how long that process would take, and what the step after that one would be...You were a great help even though we were experienced borrowers. How wonderful it would have been if we had known about and been able to use Creekside Mortgage when we bought out first house back in 1975!"
Tim and Joyce Gaines
Spokane, WA
Sevice US Air Force
Loan Specialist: Kerry N. Greenwald, U.S. Army
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