Bradley Hower

Mortgage Broker

NMLS: 1810189

Exceptional results.

profile of Bradley Hower

About

Keen home loan financing. Located on the Eastside. Specializing in serving clients living in the Seattle and Bellevue areas seeking to invest in residential real estate. Seven plus years of experience in the mortgage industry. Passionate about maximizing outcomes and prepared to accept new challenges. Motivated by the joy of helping others succeed and creating value.

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Highlighted Programs

Over 150 lender partners. Giving buyers options that other originators can’t offer.

Programs and program details are subject to change. Sometimes for the better! Contact me to discuss the latest and best terms for you.

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FNMA

Conventional loan with great terms. Down payment as low as 3%. Adjustable-Rate options available with down payment as low as 5%. Mortgage Insurance required for down payments less than 20%.

VA

Veteran-focused loan with strong foreclosure protection and a 0% down payment option. VA funding fee rather than Mortgage Insurance. Utilize VA entitlements to significantly reduce closing costs.

FHA

Ideal for those targeting multi-unit properties (2-4 units) — a 3.5% down payment minimum. Requires refinancing to remove Mortgage Insurance.

No Income Verification

Less hassle; ideal for self-employed individuals or those with non-traditional income sources. Higher reserves requirement to be met.

Alternative Documentation

Eliminates the need for tax returns. Less restrictive and problematic. Best suited for self-employed borrowers with varrying income history.

Low Credit Score

A loan designed for buyers with lower credit scores — options available for FICOs as low as 500.

HELOC

Tap into home equity and get funds in 5 to 10 days. Enjoy the added flexibility that comes with a line of credit.

DSCR

Investor-friendly loan — qualify based on rental property Cash Flow-to-Debt ratio. Interest-only option available.

Foreign National Investor

Specialized loan program for non-U.S. citizens who are non-residents. Interest-only option available. Credit score or proof of banking relationship required.


  • Non-Warrantable Condominiums
  • Air BNBs
  • Non-permanent Resident Aliens and Foreign Nationals

  • Most programs have a maximum Debt-To-Income limit of 45% — 50%.
  • For the best terms, middle to upper—700 FICO scores are recommended. Dependent on program.
  • Interest-only options are speculative in nature with potential for payment shock when interest-only period ends.
  • Residency and nationality is not a limiter, with some exceptions.