4% ( Northwest Multiple Listing Service ). That single pair of numbers explains why two buyers in the same county can walk into the same week and have completely opposite experiences.
— Emily Howard
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If you own a home in King, Pierce, or Snohomish County, your minimum payments no longer fit your paycheck, and you have already fixed the spending that ran the balances up — do the cash-out refinance.
— Emily Howard
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For most financially stable buyers in King, Pierce, and Snohomish counties, buying now beats waiting until 2027 — today's record inventory gives you negotiating leverage worth more than the...
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If you bought a home when rates were low, the last thing you want is to lose that rate just to lower your monthly payment.
— Emily Howard
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Discover how a portable mortgage lets you carry a low interest rate to your next home — a genuine win for both sellers stuck in rate lock and the buyers they…
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5.0 star review received on the Experience platform for Walter Howard by Adam L - Working with you Walter and Emily and the rest of your team has been fantastic. We didn't have...
5.0 star review received on the Experience platform for The Howard Team at Fairway Home Mortgage by Adam A E L - We recently worked with The Howard Team on our mortgage, and th...
5.0 star review received on the Experience platform for The Howard Team at Fairway Home Mortgage by Lindsay M - Emily and Walter have been such a great duo to partner with. Thi...
5.0 star review received on the Experience platform for Walter Howard by Brenna T - Walter was always available and happy to answer our questions. He took the time to ...
5.0 star review received on the Experience platform for Walter Howard by Racheal L - Very effective and fast communication. Made the process easy and answered all of...
5.0 star review received on the Experience platform for Walter Howard by Amir T - Constant communication, taking the time to make us feel comfortable with the decisions ...
📖 Explore how portable mortgages could unlock the US housing market by allowing sellers to keep their low interest rates when moving to a new home.
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The Howard Team at Fairway Home Mortgage is a local Federal Way–based lending team, and we put this guide together so you can see the real cash-to-close math in both counties before you make an offer.
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5.0 star review received on the Experience platform for Walter and Emily Howard by Kenneth J - Keeping the lines of communication open and being available to answer any and all...
5.0 star review received on the Experience platform for Walter and Emily Howard by Christopher B - The communication and education they provided throughout the process was fant...
5.0 star review received on the Experience platform for Walter and Emily Howard by Danielle S - The communication and resources provided by the whole team were great. Additiona...
5.0 star review received on the Experience platform for Walter and Emily Howard by Kelton H - Very responsive and thorough. Always willing to clarify so that we are all on the...
5.0 star review received on the Experience platform for Walter and Emily Howard by Taylor M - Walter and Emily were able to take care of everything, made me feel comfortable th...