silverdale: Blue Friday - Go HAWKS!!! - 01/30/15 05:58 AM
Of course we are very busy helping Home Buyers close their purchases in a timely manner, and also helping our refinance customers lower their payments.... but today we had to take a break and show our Seahawk pride:

My prediction:  Seahawks 27, Pats 13.
Go HAWKS!!!!


silverdale: The perfect iPhone/Android App for Home Buyers - 07/09/14 05:05 AM
Check out this video that explains all of the great features of our Evergreen Home Loans mortgage app for iPhone and Android users:
Please email me at or text me at 206-849-6326 if you would like me to send you the link to download the app.  I look forward to hearing from you!
Kind Regards,

silverdale: Today’s Homebuying market May be Hotter than Ever - 07/07/14 03:03 AM
Today’s Homebuying market May be Hotter than Ever by David Floan, Executive Vice President of Loan Production June 19, 2014 By Alex Considering a new home? Don’t be on the fence…buy it! Evergreen financed more home purchase loans in May than in any other month in its 27-year history—proving today’s home buying market may be hotter than ever.
Here at Evergreen, we have plenty of reasons to be highly optimistic about the housing market. In fact, Evergreen had a record breaking month in May closing the highest number of home purchase loans in our company’s history. While this is great news … (0 comments)

silverdale: I work for an amazing company! - 06/19/14 05:57 AM
Evergreen Home Loans Selected As One Of Washington’s Best Companies To Work For 2014 June 18, 2014 BELLEVUE, Washington – (6-18-14) – Evergreen Home Loans is pleased to announce that it has been selected as a top three (3) finalist as one of Washington’s 100 Best Companies to Work For in an annual ranking compiled by Seattle Business magazine.

“We’re honored that our associates have given us such high marks. We have a vision to change the world one relationship at a time. And that vision starts with how we treat our family of associates. I believe that … (0 comments)

silverdale: ADVANCED NOTICE - Below Market Interest Rates from WSHFC - 04/18/14 06:58 AM
Here is some of the verbiage that we received yesterday regarding a below-market rate purchase program through the Washington State Housing Finance Commission:
April 17, 2014
RE:  Advance Notice – Limited Time Offer
Please be advised the Housing Finance Commission expects to announce funding for a below-market House Key Opportunity Program on or about May 1, 2014."
"Proposed Interest Rates:

3.50% - 1% origination for FHA, VA, and USDA loans

3.75% 1% origination for Conventional loans"
The funds available for this program will be extremely limited, so the time to act is now!  Make sure that you are ready … (0 comments)

silverdale: Mike Hancock at the Kitsap County Military Appreciation Day - 04/08/14 08:34 AM
Mike Hancock At The Kitsap County Military Appreciation Day and Informational Fair April 2, 2014 By alex Leave a Comment Mike Hancock (MLO 108299) from the Silverdale Branch (NMLS ID 1147547) was out in full force at the Kitsap County Military Appreciation Day and Informational Fair on March 29, 2014. Mike proudly supported our military by hosting a booth and providing information on the benefits of VA loans. A large booth graphic communicated the myths and facts about VA loans while Mike provided his expertise with one-on-one information to visiting military personnel and their families.
The event was attended by hundreds … (0 comments)

silverdale: KCAR Affiliate of the Year - 03/25/14 08:18 AM
Evergreen Home Loans Announces That Kevin Hancock Receives Affiliate of the Year Award March 12, 2014 By Alex At Evergreen, we applaud Kevin Hancock (NMLS ID 108328), loan officer from the Silverdale branch (NMLS ID 1147547) who was awarded the Affiliate of the Year Award from the Kitsap County Association of Realtors® (KCAR). The organization was founded in 1918, serves 540 Realtors and 40 affiliate companies, and works to serve homeowners in Kitsap County.
Kevin served as the 2013 Chairman of the Kitsap County Association of Realtors, supporting its members with fundraising and volunteer efforts throughout the year. The Affiliate of … (0 comments)

silverdale: USDA Boundaries Not Changing! - 01/17/14 08:13 AM
Great news for all buyers who are interested in getting a USDA home loan - We received word this week that the long awaited boundary adjustments have been put on hold again.  As of right now, it sounds like the current boundaries will remain in place until at least September of 2014.
This is positive for both buyers and sellers, so please help spread the word.  If you would like to get pre-approved for a home purchase anywhere in the state of Washington, please give me a call!  I look forward to hearing from you!
Kind Regards,
Kevin Hancock
Loan Officer, MLO-108328
Evergreen … (0 comments)

silverdale: Washington - USDA Eligibility Areas - Boundary Adjustment - 09/06/12 06:29 AM
This is a note that I received earlier today for the Washington USDA office:
"Rumors are flying about the eligibility areas being changed.  At this time, we are reviewing the eligiblity areas.  We cannot discuss any potential changes.  Any changes that may occur will be announced at least 30 days prior to the effective date."
Please let me know if you have any questions.

Kevin Hancock
Loan OfficerLicense # MLO-108328
  at  360.698.6478 office206.849.6326 cell425.283.4642 fax


silverdale: How do I buy a home? Step 2 - 08/01/12 09:25 AM
Step 2.  Pre-approval – This can be done along with your initial consultation, or it can be done at a later date. 
2-a.  The first step toward pre-approval is to fill out a loan application.  This can usually be done either in person, over the phone, or online through your lender’s website.  
It is not necessary to have an answer for every single question on the application, but it is critical to fill out the application as completely and accurately as possible.  Getting all of the information on the application can save a lot of stress later in … (0 comments)

silverdale: How do I buy a home? Step 1 - 07/24/12 09:21 AM
Are you inexperienced or unfamiliar with the Real Estate Buying Process?  Here is a step-by-step breakdown on how things should progress throughout the Real Estate Purchase process:
Step 1.  Initial Consultation – The first step in the process is to meet with a mortgage lender to discuss your goals and needs.  This is a great opportunity to get all of your questions answered regarding financing and buying real estate.  It is also the time where your lender will get to know more about you so that they can begin the process of determining which loan program will best suit your … (0 comments)

silverdale: Honoring Memorial Day - 05/25/12 04:42 AM
"And I'm proud to be an American,where at least I know I'm free.And I won't forget the men who died,who gave that right to me." -Lee Greenwood


silverdale: It's spring cleaning time - FHA Streamline refi explained - 05/11/12 04:16 AM

It's spring cleaning time.  Time to root through the garage and reduce clutter
The faithful faminly television that got you through the entire series of "Seinfeld"?
See ya.
The squeaky treadmill covered in cobwebs?  Out the door.
The old motorcycle that you've been planning to fix up for the past five summers?  Maybe keep that one.
Since you cant really put your FHA mortgage payment up on Craigslist, do the next best thing - reduce your payment with a new FHA streamline refi.
Starting June 11, the Federal Housing Administration is quitely offering a chance for FHA homeowners who obntained … (0 comments)

silverdale: Lending professional goes beyond mortgages - 12/30/11 07:13 AM


silverdale: Step 10 in the 10-Step Homebuying Process - 07/19/11 07:36 AM
Step 10.  Closing - Now that all of your documents have been signed, the Escrow Closer will send your original documents package to the office of the Lender's funding department.  The Escrow Closer knows who this is because it is designated in the closing instructions.  Once the Lender's office receives the documents, they will review the package to make sure that it is complete and that no signatures were missed during signing.

The whole closing process generally takes most of the day, and can only be completed on a day when the Federal Reserve and the local County Government offices … (0 comments)

silverdale: Putting the "Fun" in Funding Fee - 06/03/11 10:39 AM
If you have ever considered using your VA Home Loan Benefit, you may have heard about the "VA Funding Fee".  There are a lot of rumors and misinformation about who pays the funding fee, and where it goes, but we hope to clarify things with the help of the VA Lenders Handbook ( and the VA Regional Loan Center in Denver, CO.
In order to defray the cost of administering the VA home loan program, some veterans must pay a funding fee to VA at loan closing.
The VA lender must verify the status of … (0 comments)

silverdale: Step 9 in the 10-Step Homebuying Process - 03/30/11 01:01 PM
Step 9.  Signing - The buyer and seller will be contacted for signing appointments to sign and review the appropriate documents.  In the State of Washington, the buyer and seller will sign separately.  This is a different process than you may experience in a "table funding" state.  The buyer's closing funds are deposited with escrow when the closing papers are signed.
The signing will typically take place at the office of the escrow company that is being used for your transaction.  The selection of the escrow provider is dictated by the purchase and sale agreement between you (the Buyer) and the … (0 comments)

silverdale: Step 8 in the 10-Step Homebuying Process - 02/28/11 06:37 AM
Step 8.  Loan Documents to Escrow - Having the Mortgage Documents sent to escrow is a major step in the homebuying process.  The loan is fully approved at this point, so there isn't much left to "stress" about.  This is the point where it becomes possible to determine, with the help of your loan officer and Realtor, the exact closing date for your home purchase.  You can then start making plans for moving trucks and be ready to arrange things like utility hook-ups and forwarding of mailing address.
The loan documents are delivered to the escrow closer to prepare final statements, … (0 comments)

silverdale: Step 7 in the 10-Step Homebuying Process - 02/09/11 07:21 AM
Step 7.  Underwriting and Approval - Once your lender's processor has received the necessary appraisal, title, and insurance documents, your file will be submitted for underwriting. 
Underwriting is usually handled outside of your loan officer's office (to avoid conflicts of interest between loan officers and underwriters), although the underwriter may contact the loan officer if there are any questions during the underwriting process.
If your file is "clean", straightforward, and well documented, your loan may be approved for documents right away.  Often times there are details for which the underwriter will require additional documentation, called "conditions".  Sometimes there are only 1 … (0 comments)

silverdale: Step 6 in the 10-Step Homebuying Process - 01/25/11 06:12 AM
Your file has been ordered out, but your lender isn't sitting around waiting for the appraisal...

Step 6.  File Processing and Pre-Underwriting - Once the file has been ordered out, your loan officer and his/her processor will continue working on your file to make sure that everything progresses smoothly.  During this part of the process, it is important to respond quickly to any requests for information or documentation.
You may be asked to update information in your loan file including your most recent pay-stubs and bank statements.  They will also work to document things like your earnest money deposit, down-payment … (0 comments)

Kevin Hancock, The Hancock Mortgage Team (Evergreen Home Loans)

Kevin Hancock

The Hancock Mortgage Team

Poulsbo, WA

More about me…

Evergreen Home Loans

Address: 2021 NW Myhre Rd, Suite 112, Silverdale, WA, 98383

Office: (360) 698-6478

Mobile: (206) 849-6326

Email Me




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