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Steven B. Harkness, 360-981-8615-concierge service VA-FHA-USDA (American Capital Corp) Mortgage and Lending

RAINER

10,989

Steven B. Harkness
360-981-8615-concierge service VA-FHA-USDA
location_on Silverdale, WA — American Capital Corp
NMLS # 140972
Get to Know Steven B. Harkness

     I have had the extreme good fortune of being able to call Kitsap County my home since my earliest childhood memories. I attended Seabeck Elementary, then Central Kisap Jr High, and Central Kitsap High School in Silverdale  Later, I enrolled at Olympic College, and Kaplan University working toward a degree in business finance. In 2005 I married a wonderful woman I met in Manila through my work with one of my two favorite charities, Christian Children's Fund, now  called Children's Fund, and the other, Feed the Children. I have always had an interest in Asian culture, and that has grown exponentially since marrying into an Asian family. 

     Before the economy tanked in 2007 I would try, and make it back to Manila in December of each year for my work with Children's Fund. Christmas decorations start going up in mid October and by December the whole city is completely decorated. It is wonderful to walk around in shorts and sandals in December. I truly love the Philippine people. No matter the many hardships they face they always have a spare smile for a complete stranger.

Certifications

     I am a licensed loan officer MLO-140972. I have had to go through an extensive back ground check, and must continually update my education on the practice of my trade and that means many things to the consumer not the least of which is that by law I have a fiduciary duty to do whats in the best interest of my clients. My company is a mortgage bank that also allows me to broker the loan. This permits my team to place your client with the lender that best fits their needs. I have been in business over 23 years and closed thousands of loans. This gives me the ability to listen to what the client is wanting to accomplish. I can then lay out their options and let them pick how they wish to proceed.

     Mortgage lending, like selling real estate is such a vast field that nobody can be an expert at ever thing. I have chosen to specialize in the area of government financing. In Western Washington just about everybody has served in the military and therefore most likely qualifies for a VA zero down home loan. Also because of the rural nature of the Puget Sound basin, many area's are eligable for the US Dept of Agricultures zero down home loan program. If your not a veteran and would like to live closer to the city we have FHA home loans. Just 3.5% down and own the home for less than you could possible rent it for. If you are interested in knowing how VA & FHA financing works;  I would be happy to answer your questions.  I carry a cell phone with me at all times going to great lengths to make myself available. (360) 981-8615 or sbharkness@amcapmortgage.com. 

    

 

 

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