Bellwether Lending, Inc.

Kirk Kelley and his team at Bellwether Lending in Mukilteo did a fantastic job of securing our VA mortgage refinance. He promptly replied to my initial inquiry and then continued to go above and beyond to answer my many questions. He listened to our goals for the refi and offered us choices to meet those goals. The application process was completed online and we were able to scan and email the necessary documents. Since we actually live fairly close to Bellwether lending, we were also able to visit their office to ask questions and sign papers. Kirk did a great job of balancing our desire for the lowest interest rates possible against our naturally conservative nature. He shared a jobs report analysis and discussed what he considers when trying to decide if rates will continue to decline or begin to rise. His analysis was correct and by waiting, we got a better lender's credit at the interest rate we desired. In the end, the lender's credit covered the costs normally associated with a refi (settlement, title and recording fees), so we actually netted $336. Kirk's team was great to work with as well. Whenever we weren't working directly with Kirk, Dave and Konnie were both very helpful and knowledgeable. They had great attention to detail which helped to ensure the closing process proceeded smoothly. The entire team was extremely patient and answered every question we asked. Thanks to Bellwether Lending, we now have a 15-year mortgage at a great rate that will allow us to pay off our home sooner and significantly reduce the total amount of interest we will pay.