NMLS# 674861

Debbi Waisanen

Debbi has been helping her clients find the best program and rate to finance their homes for over 20 years.

Phone: 231 920 9992

Email: dwaisanen@johnadamsmortgage.com

Start your home purchase or refinance with Debbi.

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Starting in the mortgage business as a Processor, Debbi is familiar with all aspects of the home financing world. She loves to focus on educating the borrowers she works with, so they fully understand the home buying process.

Debbi works to find the best program that will suit her clients needs. Her best advice is to be comfortable with the loan officer you are working with. She said, “Make sure you are given options and ask questions!” Her main goal is for her clients to be happy and confident with their mortgage product. Debbi wants you to feel truly cared for every step of the way into your new home.

When Debbi isn’t at work, she loves to spend time in the great outdoors with her family, friends and her two dogs.

Debbi has counseled thousands of families on their home financing over the past 30 years.

Mortgage Info & Updates

mortgage-updates

Recent global news has caused significant market volatility, leading to fluctuations in interest rates. Several factors will influence rates leading up to the mid-September Fed meeting, including upcoming inflation news and two more employment reports. Market expectations regarding the Fed's rate decisions will already be built into the market by mid-September, impacting rates accordingly.

In the latest update regarding the NAR Settlement and it's effects, we have great news for first-time buyers; Fannie Mae, Freddie Mac, and FHA have now confirmed that seller paid commissions will not be counted into the maximum allowed for interested party contributions. We are still awaiting key details from the VA, and will remain diligent as new information unfolds.

Despite initial confusion, buyers' agents can still receive compensation from sellers, commission just can’t be offered through the MLS. Ensuring all parties are well-represented will be crucial to smoother transactions in this new market.

We're looking for an experienced Marketing Manager s great at developing project timelines, strategizing creative campaigns and crafting mortgage-based copy and messaging.

Today we're dismantling the misconceptions on mortgage insurance and sharing more about how it can be a tool that accelerates a buyer's ability to purchase and own home. Mortgage insurance is a type of insurance typically required by lenders when a borrower puts down less than 20% of the home's purchase price. It's usually paid as a monthly premium that's added to the borrower's mortgage payment.

Interest rates remain the same as inflation data came in as expected earlier today. Rates are still in that high 6, low 7% range. Buyers, be prepared with a pre-approval so you can act quickly when you find the right home.

When there's uncertainty, the best thing for a homebuyer to do is be prepared and ready. With many varying projections about mortgage interest rates, the smartest move is to be proactive and get pre-approved, so buyers can act fast.

Yesterday’s Consumer Price Index Results Were Slightly Lower Than Expected. With the Overall CPI at 3%, we've seen rates come down yesterday and it's trending that way today, too. Great news for housing!

Rates are in the Upper-6s As We Move into a Busy Weekend of Open Houses.

Fannie Mae Shares Results Ranking Important Factors of Living "The Good Life.” 3 of the top 6 factors are housing-related in what participants found to be important when considering the life they'd like to have. The dream of homeownership continues to be strong. Begin your journey by getting pre-approved. Homebuyers, we can help!