For real estate agents
Got a buyer you can't get to the finish line?
Send me the one another lender declined. I'll do the credit work for free, tell you honestly whether there's a path, and give you a date — not a maybe.
What I actually do for your buyer
- Free credit coaching. A real mortgage credit pull, a plain read on which of the five credit problems they actually have, and a written plan with a timeline.
- Address eligibility checks, same day. Text me any address in the corridor and I'll tell you whether it's inside the USDA map. No cost, no application, no obligation on either side.
- Manual underwriting when it's warranted. Active Chapter 13, thin files, sub-580 scores, self-employed income that tax returns don't reflect. These are files a lot of shops simply won't work.
- An honest no. If the answer is “not yet,” you'll get that fast and with a date, rather than a file that dies quietly three weeks in.
What's covered in this video
The letter that survives the listing agent’s call
- A pre-qualification is math on unverified inputs; a pre-approval means credit pulled and income and assets documented.
- Labels get used loosely — ask whether credit was pulled, documents reviewed, and whether the lender will stand behind the letter.
- Even a full pre-approval is not final approval: appraisal and underwriting still have the last word.
Summarized by Brad Haines, mortgage loan originator, NMLS #154083, Cascade Premier Mortgage, LLC NMLS #46283 — Renton, Washington.
What I do for your listing
If you have a listing in the corridor that qualifies for $0-down financing, I'll verify the address against the USDA map and build you a flyer and a short video for it — free, whether or not you ever send me a buyer.
The argument is simple: a listing that qualifies for $0 down has a bigger buyer pool than the one you've been shown, and most buyers browsing it have no idea the option exists. That matters more the longer a listing sits.
What's covered in this video
Price cut vs. buydown, for a listing that is sitting
- A modest price cut is spread over 360 payments; a 2-1 buydown concentrates the same seller money into the first two years.
- A temporary buydown does not help a buyer qualify — they are underwritten at the full note rate. A price cut does.
- A price cut shows up in the comps; a seller credit generally does not move the headline number the same way.
- Buydown funds count toward the interested-party contribution limit alongside closing-cost credits.
Summarized by Brad Haines, mortgage loan originator, NMLS #154083, Cascade Premier Mortgage, LLC NMLS #46283 — Renton, Washington.
Send me an address and I'll run it.
No commitment on your side. If it qualifies I'll build the flyer and the video and send them over — yours to use however you like.
Every week I post The Weekly Scrub: every new listing from Skagit to Pierce that cleared the $0-down map that week, town by town. Watch it to see whether your listings, or the ones your buyers are looking at, made the list.
How I work
Straight answers, fast. Most replies land the same day. I won't pitch your client something that doesn't fit, and I won't disappear into an application portal — you'll have my mobile number and I answer it.
Seventeen years and several market cycles, licensed across Washington, based between Renton and Mukilteo, working the corridor from Sedro-Woolley down to Enumclaw.
The conversation is always free.
No application required to start. Send me an address and I'll tell you the same day whether it's in an eligible area — and if it isn't, I'll tell you that too, and we'll look at what is.