Curtis Gerke
Curtis was raised in Vancouver, where he still resides with his wife Gayle. He earned Academic Merit Scholarships and graduated from the University of Washington's Foster School of Business with a BA in Business Administration, concentrating in Information Systems — the same degree earned by his identical twin, Clint, with whom he attended college. Curtis began his mortgage career in 2005, just before the market turn, and has consistently built his career on a simple philosophy: results are in direct proportion to the effort invested. Clients and colleagues know him for his focus, communication, and ability to build creative financing solutions. In his free time, Curtis enjoys reading, martial arts, hunting, and skiing, and is currently writing his first novel — he leads a local writers' critique group and volunteers with a habitat conservation organization.
FHA MORTGAGE LOANS
FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don’t have enough funds to pay a traditional 20 percent down payment because they only require 3 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments. Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development. Please contact us today to find out if a FHA loan is right for you.
CONVENTIONAL MORTGAGE LOANS
A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements. Available terms generally range from 10 years, 15 years, 30 years and 40 years.
VA MORTGAGE LOAN
Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences. For information on qualifying for this loan program please give us a call today.
REFINANCE MORTGAGE LOANS
Homeowners looking to decrease their interest rate may consider refinancing. A refinance calls for the homeowner to obtain another mortgage loan. Those funds are then used to pay off the original mortgage loan and the homeowner is then bound by the terms of the new mortgage. Depending on your situation a refinance loan could be a great option. Along with decreasing your interest rate, refinance loans can also help you switch from an ARM to a FRM, and in some cases reduce your loan term.
JUMBO MORTGAGE LOANS
A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than your traditional loans. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates. Learn more about jumbo loans by contacting us today.
CONSTRUCTION MORTGAGE LOANS
Construction loans are used to finance the construction of a new structure. Whether you’re interested in building a brand new home for you and your family or you’re looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you’re looking to construct. We look forward to your questions about construction loans. Please call us to find out more.
AFFORDABILITY CALCULATOR
Quite affordable.