Getting Involved in Your Community

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Getting involved in your local community is beneficial both to yourself and the community you’re serving.  It offers a sense of connection, solidarity and strength as you participate in an event that directly involves your neighborhood.  Here are seven way that you can get involved in your community, taken from an article that I found online:

Look for local events: Pay attention to local news announcements.  Whether it’s a music and arts festival, a local dance performance or a special presentation, keep your eyes open.

Volunteer your time: There are all sorts of ways for you to volunteer your time.  You could, for example, volunteer as a dog walker for your local animal shelter, volunteer to read to the elderly at a retirement home, the opportunities are endless.  Simply reach out to an organization you like and ask them what you can do.  

Donate your resources: If you’re too busy to volunteer, then you can still donate.  You don’t have to donate money, you can donate clothes, food, bed linens, books, cleaning supplies and household goods, among other things.  Your local Goodwill, homeless shelter, food bank, library or animal shelter will all appreciate the donations.

Shop locally: Buy from local vendors whenever you can.  This is a small way to contribute to local businesses and stimulate the economy.  

Join a class or group: By joining a class or group, you get a chance to meet like-minded people you may never otherwise meet.  Most towns have plenty of groups for runners, bikers and other outdoor activities.  Not only is it a great way to meet people, but also to stay in shape!

Support your local sports teams: I can tell you from experience that this is particularly rewarding.  You might not know how many sports teams are around.  Whether it’s Little League, high school and college sports teams or a Minor League team, chances are it’s a lot cheaper and intimate than going to a Mariners or Seahawks game.  Players play because they love the game, and seeing fans supporting them in the stands makes a huge difference.

Organize your own event: Even if you don’t feel qualified enough to host a music and arts festival, you can still team up with some friends and organize a fun event.  Maybe a special kids’ event or a car wash to raise funds.  

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Hello, and welcome to Joe Raquiza’s mortgage lending blog!  Stay tuned, because there’s plenty more to come!

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Getting A Home Loan In Tacoma

Mortgage lenders are financial institutions that lend money to people so they can buy a property that they can’t yet afford, but should be able to by the end of a mortgage term. Once you have decided you are interested in buying a home and before you actually begin the home purchase, it is a good idea to get an overview of home buying and homeownership. There are important factors in a mortgage loan package that will determine whether you can afford the house, you want. The most important of these are the interest rate, Points, Mortgage Type (fixed rate, adjustable rate, balloon etc.), Closing costs and fees, and Down payment and mortgage insurance. Different lenders will offer different interest rates, so it is important to shop around. Another detail to consider is what type of mortgage loan is best for you. Common options include a fixed-rate mortgage, in which the interest rate does not change or an adjustable rate mortgage will have a fluctuating interest rate based on market conditions. Since no one knows how the market will behave, adjustable-rate mortgages are riskier than fixed-rate mortgages Lenders determine your ability to pay back a mortgage by making sure that monthly payments of principal, interest, taxes, and insurance (PITI) do not exceed 28 percent and that monthly debts do not exceed 36 percent of your gross monthly income. Besides looking at straight numbers, lenders determine your ability to repay a mortgage debt by considering what kind of job you have or if you have dependents and what other financial obligations you carry. Lenders also consider your credit history and the value of the property you are buying. If you are a homeowner looking to refinance or get a home equity loan, be wary of predatory lenders. Predatory lenders promote quick-fix financial solutions in order to convince potential homebuyers to invest in properties that they are unable to afford. Contractors who offer you financing may also be associated with predatory lenders. While legitimate lenders use marketing techniques also employed by predatory lenders, predatory lending often is marked by telephone, door-to-door, direct mail, Internet and television solicitation that advertises “bad credit, no credit, no problem” loan programs. Organizations like ours, PNC Mortgage, can help with identifying and avoiding the high rates and fees of predatory lenders.

Our Team Our Mission

In today’s envirnoment lending has become an obstacle that requires consistent, accurate, dedicated effort to run smoothly.  This along with consulting and communicating to all parties cannot be done effectively by one individual.  It takes a group of individuals with the same common goal!

It Takes …….

OUR TEAM!

Joe Raquiza  Team Leader  (Loan Officer MLO 114206)

Michele Bunnage “Mickie”  Team Member   (Loan Officer MLO 57321)

Donivan Norton  Team Member

Diana Brown  Team Member

Sara Curry  Team Member

Our team here in Tacoma heads up the Pinnacle Capital Mortgage branch.  Pinnacle Capital Mortgage is the Largest mortgage only lender in the Northwest. 

This gives us the flexibility to make direct lender decisions and control the process through the entire transaction. 

However, since we are regionalized we also have the local service you expect and need in navigating the mortgage process today.

OUR MISSION!

Is to impress you with our 7 day a week  work ethic, be available for you and successfully guide you through the mortgage process.   

Our team is excited to answer your call today and impress you with our outstanding service!