ASK JEFF

Start with the question you actually have.

You do not need to be ready for a mortgage application. Mortgage, rates, housing, money, or the Treasure Valley. Ask away.

NO PRESSURE • NO HYPE • NO CRYSTAL BALL • JUST A STRAIGHT ANSWER
A BETTER FIRST CONVERSATION

No sales-funnel gymnastics.

Tell Jeff what you are trying to figure out. If it is a quick answer, he’ll keep it quick. If it needs real numbers and context, he’ll work through it with you.

01

Ask

Start with the real question.

02

Understand

Get the context and tradeoffs.

03

Decide

Choose without being pushed.

What can I help you understand?

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POPULAR MORTGAGE QUESTIONS

Straight answers you can use right now.

Start with the question closest to yours. Each answer explains the decision without turning it into a sales pitch.

01

How do I choose a mortgage lender in Idaho or Oregon?

Read Jeff’s answer →02

Can I use a VA loan to buy in Idaho or Oregon?

Read Jeff’s answer →03

What should an Idaho first-time buyer know?

Read Jeff’s answer →04

What should an Oregon first-time buyer know?

Read Jeff’s answer →05

Is a mortgage broker better than a bank?

Read Jeff’s answer →06

How does credit score affect a mortgage?

Read Jeff’s answer →07

Should I get preapproved before looking?

Read Jeff’s answer →08

Why do rates change after a Fed announcement?

Read Jeff’s answer →09

Why does the 10-year Treasury affect rates?

Read Jeff’s answer →10

Does refinancing reset all my interest?

Read Jeff’s answer →