Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.




About Me

I am a lifelong Alaskan…well almost. I was actually born on the big island of Hawaii, but moved to Alaska when I was four years old. (Don’t ask. I didn’t have much of a say at the time.) I graduated from Steller High School and found my way into the mortgage business in 2001. I was blessed with success in this industry from the time I started and have been doing loans ever since.

When I’m not at work helping my clients achieve their goals related to home ownership and investing in real estate, I am usually doing something fun with family and friends. I am married to my beautiful bride, Shannon. And together we have three amazing girls. (There’s never a dull moment with a house full of women.) Nicholle is our oldest. She has already graduated high school and is currently working her way through college at UAA. Madison and Aaliyah are both in elementary school at Grace Christian.

I enjoy being outside in this oh so great state that we live in. I grew up ski racing at Alyeska Ski Club and enjoy skiing during the winter months. I enjoy camping, hiking and remote rafting adventures in the summer. I also enjoy Cross Fit and Brazilian Jiu Jitsu to keep myself in good shape. (It’s hard work trying to keep up with my little ladies.)

“Your mortgage team “Rocks”! Thank you so much for everything.”

–Athena S.

More About Us

We believe in teamwork to help you achieve your goals. Let me introduce you to the team that we have put together to help make a difference in your life.

Jane Hastings is our Production Coordinator. Her primary role is to help you get what we need to get your loan approved with our lenders. She will collect the initial documentation we need to get your loan submitted for underwriting. She will also call you when we receive loan approval to request any additional items we might need to get our final loan approval.

Jane’s husband Wyatt is an Explosive Ordinance Disposal Technician for the United States Army and he is stationed here at JBER. Her dogs are her children and she enjoys taking them on walks at the local dog park, spending time with her friends and family and helping with the Foster Care system for the State of Alaska. Jane can be reached at 907-222-5510 or email at jane@firstrateak.com.

Kelsey Rodriguez is our Loan Processor. Her primary role is dealing with our lenders to get your loan approved. She will submit your loan for initial approval, order the appraisal when the time comes and re-submit your loan for our final approval. She will also take care of getting your closing documents to the title company and make sure that your loan funds the business day after closing so you can move into your new home.

Kelsey is married to Jonathon, a Realtor here in Anchorage. She loves her dogs and enjoys taking them for walks. She also enjoys running, hiking and spending time with family and friends. Kelsey can be reached at 907-222-5507 or email at kelsey@firstrateak.com.

“Thank you for helping me buy a home for my family.”

–Ben S.

“Thank you for helping us make our dreams come true.”

–Filiberto, Sonia and Family

Our Commitments to You

Honesty & Integrity

We say what we do and we do what we say. We communicate the truth to our realtor partners and clients. We own our mistakes.

Excellent Customer Service

We set high expectations and then deliver more than is expected. We don’t make excuses. We deliver results in every area that we have control!

Relationships

We are committed to nurturing deep and lasting relationships with our realtor partners and clients. We understand that they are the life blood of our business. We go out of our way to let them know we care by our actions and attitude.

“I still don’t have the words to express how thankful we are for all you were able to do to make this a reality for me. You and your team are truly phenomenal people - truly!

Jessi loves the house and her room. I love the house and all the rooms ...even the 16 inches of snow held off until everything big was moved over to the new house. Just odds and ends and small stuff to get over and then cleaning the old place - It has been an exciting few days, I honestly never thought it would happen.

You always kept it positive...THANK YOU!!! It’s strange... I feel like we are“ending” a friendship. Thank you, Thank you, Thank you!”

–Marianne S.


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