Luxury New Construction Mistakes Buyers Should AvoidHow to protect your money, leverage, and long term resale value when buying a custom or production luxury homeBy Ed Laine | Managing
eXp Realty in Seattle Lenders
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Heather Gennette is a premier mortgage and real estate broker with a passion for delivering seamless, stress-free financing solutions tailored to each client’s unique needs. With a career spanning over two decades in real estate and lending, she has built a reputation for integrity, expertise, and an unwavering commitment to customer service.
Specializing in competitive-rate home loans and refinances across California and Florida, Heather simplifies the mortgage process, ensuring clients receive clear guidance and elite-level service at every stage. Her concierge-style approach means she anticipates challenges before they arise, making homeownership achievable and hassle-free.
Heather’s background in both commercial and residential real estate gives her a comprehensive understanding of the market, allowing her to craft strategic financing solutions that align with long-term financial goals. Heather has been part of a cadre of transactions giving her a unique ability to navigate complex transactions with confidence.
Beyond her role in lending, Heather serves as the Executive Director and Chairperson of the Board at Our Church Ministries, reflecting her dedication to community and service.
For a mortgage experience defined by precision, transparency, and excellence, connect with Heather today.
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I am proud to have helped thousands of families, friends, veterans, and community leaders buy and refinance thier homes since 1994. As a branch manager for Success Lending I am always looking to grow my team of loan officers and Realtor partners. My office is located in Carlsbad, CA but I am grateful to work in AZ, CA, CO, FL, ID, MD, TN, VA, and WA. In a crowded field of mortgage professionals I separate myself with my expertise in self employed borrowers and my knowledge of VA insured loans. Like many of you I am active in my community.
* Past President and National Convention leader for the Asian Real Estate Association of America
* Finance Chair and past board member for the Carlsbad Educational Foundation
* Past Board member for the Moonlight Cultural Foundation
* Past President for the Kiwanis Club of Carlsbad
* Past board member for the CSUSM athletic foundation
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AmeriFirst Financial, Inc | NMLS 145368 AZBK 0013635
- NameRicky Khamis
- License173141
- Phone844-562-6796
- Get Started
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A veteran loan officer and an innovator in the real estate industry, Ricky Khamis is the National Business Development Manager at AmeriFirst Financial, Inc. His in-depth understanding of bond markets and ability to accurately gauge the direction of interest rates has helped him consistently rank within the top 1 percent of loan officers for the past 10 years. Ricky is also a subject matter expert who assists real estate professionals and executives with growing their businesses. He is an instructor at the Arizona Academy of Real Estate where he has taught hundreds of realtors and loan officers how to develop high-yielding internet marketing campaigns. His innovative system allows them to create a prominent presence on the World Wide Web using proven tactics. He has taught classes in Arizona, California, Colorado, Texas, and Utah. Additionally, he coaches and consults with business executives through his company, Barrier Breaker Coaching, LLC (est. 2014). He also conducts presentations and publishes articles about internet marketing development and sales tactics. Ricky attributes his success to discipline, dedication, and drive; commitment to continuous education and growth; and an exceptional ability to open doors others cannot. These traits coupled with technology, website building, and social media expertise allow him to provide high-level advice, tools, and resources for his clients. icky received training from The CORE Training, Inc., a premier real estate and mortgage coaching company that serves top producing loan originators and real estate agents throughout the country. Earlier in his career, Ricky served in the US Army as an infantryman with the 3-505th 82nd Airborne Division at Fort Bragg North Carolina. He was awarded the Army Achievement Medal, four Army Commendation Medals and was named Soldier of the Month.Ask A Mortgage Question
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Fairway Independent Mortgage Corporation
- NameScott Collins
- License662182
- Phone360-918-4800
- Get Started
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I am passionate about helping my clients and partners navigate the home financing process in an efficient manner. Understanding the dynamic needs of each transaction and providing solutions with a high level of detail drive my success and allow my borrowers to be informed on their options. My process oriented approach and pure enthusiasm for the Real Estate industry ensure you have a dedicated professional on your team to support the process. I am passionate about helping my clients and partners navigate the home financing process in an efficient manner. Understanding the dynamic needs of each transaction and providing solutions with a high level of detail drive my success and allow my borrowers to be informed on their options. My process oriented approach and pure enthusiasm for the Real Estate industry ensure you have a dedicated professional on your team to support the process.Ask A Mortgage Question
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About
Anny Johnson is one of the original co-founders of Neighborhood Mortgage. She helped start the firm in 2003 after being in banking and lending since 1997. She's been recognized as a leader in our community and has maintained a top originator across the US. In 2022, 2021 and 2020 she was awarded and recognized for being in the Top 1% in the Nation from the #1 Lender in America. She specializes in conventional, VA, FHA, USDA residential purchases and refinances and covers the entire state of Washington and Arizona
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My philosophy is to listen to my customer’s needs and respond to those needs efficiently and effectively. I strive to build long-term relationships so that as your lender, I will be with you each time circumstances in your life necessitate a home change. Many lenders can ‘get you a loan’ – my goal is to ‘get you the right loan’.
I’m proud to have earned the honor of President’s Club and be a multi-year winner of Seattle Magazine’s “Five Star Best in Client Satisfaction for Mortgage Professionals” award.
In my spare time, you will find me with my husband and two sons. I also enjoy playing the piano and taking long road trips on my Harley.
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Jacob started in the mortgage industry following his college graduation in Summer 2020. He participated in the Caliber University program which is a 10-week intensive training program designed to educate, license, and prepare new mortgage originators for their career. During this program Jacob fell in love with the mortgage industry and has found his calling in life, which is promoting and helping build homeownership. Upon completion of the Caliber University program, Jacob joined Team Vann as a full time Production Assistant and Mortgage originator. Since joining Team Vann, Jacob has become a pre-approval specialist which means he handles all pre-approvals for the team. During the Caliber University program, Jacob learned valuable skills and processes to better educate and empower homeowners. The ability to strategically help clients achieve their dream of homeownership while educating them throughout the entire process is Jacobs WHY. During his time on Team Vann Jacob has been able to employ these practices and help over 100 families. Being able to deliver consistent and excellent customer service has always been very important to Jacob. He believes this a very important step to building trust and long-lasting relationships. Jacob was born and raised in the Issaquah area. Upon graduation from Liberty High School, Jacob attended Western Washington University where he earned his bachelor’s in financial economics. He currently lives in Redmond with his girlfriend and hopes to make that area his lifelong home.Ask A Mortgage Question
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About
Hello, my name is Matt Lake and I live in Canton, GA, which is about 45 minutes north of Atlanta. I started in the mortgage business in 2000 and have closed thousands of loans over the last 2 decades. My experience and expertise allow me to simplify a complex process, explain guidelines thoroughly and structure to close all types of mortgages. One of my goals with every client is to guide them through the process as easily and stress-free as possible. I know the importance of finding a dream home and I believe that a home is one of the foundation blocks for a family. Buying or refinancing a home is an important step for a person or family and I love that I can be a small part to make that a reality.
My family, which includes my wife of 20 years and two teenage boys, loves to camp and explore the country in our RV. I am a Head Coach for the local Georgia Cycling Mountain Bike Team and have coached numerous other youth sports over the years. I am a coffee fanatic and enjoy volunteering in my local community as a motivational speaker. I have had the privilege of being featured at student retreats, fundraisers, FCA gatherings, school functions, and numerous other events.
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Jim Hagen - CMG Home Loans Mortgage Loan Officer
- NameJim Hagen
- License1278093
- Phone253-785-6313
- Get Started
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Jim Hagen, based out of Sumner, WA, provides a variety of mortgage solutions tailored to fit the needs of repeat home buyers, first-time home buyers, real estate investors, or homeowners who need to refinance a mortgage. Jim can teach you about all of the loan products CMG provides including conventional loans, FHA home loans, VA home loans, Jumbo Loans, home improvement loans, USDA home loans, crowdfunding through HomeFundIt, as well as grant and down payment assistance options. Visit Jim online to learn more, view our mortgage blog, mortgage calculator, customer testimonials, or start your mortgage prequalification and see what current mortgage rates you qualify for. Get in touch today and experience extraordinary.
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As a lending professional at Bay Equity, I am dedicated to helping you with all of your home mortgage needs.
The housing and mortgage markets are constantly changing. I can help you navigate the many options to find the right loan for you and your family.
Whether you are buying or refinancing, buying your first home or building your dream home, I can explore with you the many options for financing.
You are invited to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.
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With over 25+ years of real estate and mortgage experience, I will make your home buying process a smooth and pleasant one.Ask A Mortgage Question
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I’ve been in the mortgage industry for over 25 years, but my path here was anything but traditional. I started my career as a professional wrestler in Dallas before moving into radio as a nationally syndicated talk show host covering sports and pop culture. It was during my time hosting a mortgage radio segment that I was offered an opportunity to enter the mortgage business—and I took the leap.
Today, I serve as both a Loan Officer and Loan Counselor, with a passion for helping people navigate one of the biggest financial decisions of their lives. Whether you’re buying your first home, refinancing to lower your monthly payment, or looking to tap into your home equity, my goal is simple: make the mortgage process as smooth, honest, and rewarding as possible.
I’m proud to be part of Success Lending, in partnership with eXp Realty, which allows me to serve clients across more than 30 states.
A Little About Me
I’m based in Lewisville, Texas, and when I’m not helping clients, you’ll probably find me doing something that keeps life interesting. I take my custom Star Wars-themed Dodge Chargers to local car shows and use them to support charitable causes. I also volunteer as a mobile DJ, a graphic artist, follow just about every sport imaginable, and consider myself a BBQ enthusiast who is still very much in training!
And yes, I’m a serious Star Wars collector.
Most importantly, I’m a family man. My wife and I have three amazing kids. One is a Doctor, another is a Percussion Director, and the third is a volleyball coach! We also share our home with four lovable rescue pups: Kona, Kahlua, Athena, and Zeus
At the end of the day, I love what I do because I get to help people accomplish something meaningful. If you’re looking to purchase a home, refinance, or explore your financing options, I’d be honored to be your mortgage resource and help you every step of the way.
I am currently licensed in the following states: AL, AZ, AR, CA, CO, CT, FL, GA, IL, IN, IA, KS, KY, MD, MI, MN, NH, NJ, NM, NC, OH, OK, OR, PA, RI, SD, TN, TX, VA, and WA
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About
I love what I do. I help make people happy by working with them to achieve the goal of homeownership. To be effective, I have a responsibility to know all of the programs available. No two situations are exactly the same so I work to find the best fit for each customer.
Most of my success comes from my attention to customer service. When my competitors say no, I figure out why. I’m not done until my customer is in their home. I don’t care if it’s 30 days or 3 years.
Born and raised in Kitsap County, I graduated from Bremerton High School in 1989. I worked 22 years in the paint and coatings industry where I made many friends in the construction trade.
While on the job, I sustained a shoulder injury which left me unable to continue the type of work I was doing. While I was recuperating from shoulder surgery, I decided to take classes and passed the exam to become a licensed loan officer.
The most important thing in the world to me is my family. My lovely wife of 28 years, our beautiful daughter, awesome son-in-law, and their three perfect children are everything to me. When I’m not at work you’ll find us together doing something we love like camping, fishing, riding quads, or just barbecuing at home.
NMLS ID#1036104
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About
- Experienced Mortgage Loan Originator with an extensive history in the financial services industry.
- Well versed in all aspects of residential lending
* FHA, VA, Conventional
* Non-QM
* Brokering
- Extensive network of finance professionals to assist with any type of residential or commercial financing.
-Proven sales leader with an exemplary track record of providing top notch customer service
Testimonials
"
Kat helped me purchase a home in this competitive market, and I have been very impressed by her professional skills as a Real Estate Broker. She's awesome at finding details on a property, and for looking out for my best interest as a buyer. She also has a very practical sense when it comes to evaluating a home for me. Other agents just seemed to want to "squeeze me" into any property just to make a sale. Not Kat - I am confident she is looking for the right home for me. She has a certain "straight shooter" quality that I find both appealing and comforting.
"
- Reid Heimbeck
"
“Kat is a force of nature! A delight to work with and a great advocate to have on your side. She knows how to negotiate and close the deal. Always a southern lady, Kat is gracious and has such an upbeat personality. I highly recommend her for selling or buying homes.”
"
- Cindy Shaw
"
My wife and I met Kat in line for paint at Home Depot. Immediately she proved herself knowledgeable on real estate and provided ideas for selling our ¾ finished property for over a half million. While the challenges with listing an unfinished property were plenty, she never lost her enthusiasm for selling the house. Kat is a hands-on broker, spending time onsite to make sure Buyers understood their options and painting a vision for a home amongst the subflooring and unfinished cabinets. She expertly negotiated the sale of our property and even got us a favorable plot line adjustment. If you are looking for a Broker who takes the time to understand your priorities, knows the market, makes customer service her top priority and really loves to sell houses… look no further than Kat. We highly recommend her.
"
- Rod Soelter
"
Bought a Single Family home Edmonds, WA.
Kat was able to walk us through our first home purchase with little to no stress! She kept in contact with us before we were seriously looking, showing us different styles of homes to help us figure out what we like and constantly rearranging her searches to accommodate our preferences. Once we were fully ready to purchase she helped get us in contact with very reliable contractors, inspectors and loan officers to make the purchase go smoothly. We found our home and closed within 25 days! She has been very helpful and attentive since the purchase as well helping us find other contractors on little projects we decided to take on. All in all, she provided an amazing experience through something that could have been seriously stressful and hard. We recommend her to all of our friends and anyone else looking to buy or sell a home in the greater Seattle area.
"
- Erin Barr
"
Bought single family home in Mill Creek and Rental
We have been so fortunate to have Kat help us on two properties. She first helped us secure a very sought-after rental property with 7 people in line to rent. She worked hard to ensure we were successful in our drive to rent, working closely with the property manager to facilitate our application, position ourselves as the strongest renters, and handle subsequent paperwork. Just a few months after moving into our rental property, we decided to purchase the home across the street. Again, Kat did a masterful job of negotiating with the seller through their agent, winning huge concessions that made our purchase possible. Since Kat has so many years of experience and a masters degree in negotiations, we could not have been in better hands for this transaction! Kat did a great job of keeping us informed all along the way, helped us secure a great mortgage through a fantastic mortgage broker, and pulled out all the stops to get to a 10 day closing once negotiations were finalized. We are thrilled that Kat was our representative. Given the complexities of both of these properties, we certainly would not want to have had any other agent working for us. I am convinced we would not have been nearly as successful in either bid with any other agent. Through all of this, Kat has become a good family friend and we see and talk with her regularly now that we are life-long friends. We are blessed to have had her handle these transactions for us, and to enjoy her friendship now.
"
- kristen querriera
"
Kat was the best! She guided us through the entire process of selling our home, helped us get things together quickly and kept us in the loop with each and every development. She was eager to have things go exactly according to our wishes, and she delivered 110%, and with a personal touch to make the sale feel uniquely our own. We would recommend her to anyone thinking about buying or selling. She was professional, prompt, and a lot of fun to work with. Give her a call, you won't be disappointed!
"
- Karla Tussing
"
Sold in Lake Stevens
We are so thankful that we were referred to Kat when we decided to sell our house! She was incredible to work worth. Not only did she work tirelessly through complications that arose due to the location of our property, but she also went above and beyond during the staging process. Offering her own decorations and plants for use during the “for sale” period made our home look so beautiful! Kat was always honest about changes that would be best not only for us as the seller, but for the future buyers as well. We know that because of Kat and the partner she used at the time, Kim, our selling experience was the absolute best it could have been! We highly recommend her!
"
- Anna Golike
"
Kat, was more to us than a real estate broker. She went out of her way to help us sell our house at the best price possible. She took really good care of my wife and myself during this emotional up and down time. We are retired and had lived in our house for 25 years. We needed to sell our house fairly quickly so we could move. She organized and helped us go through the overwhelming task of selling a house in today's market. It sold in four days! She was honest and straight forward with what needed to be done. She recommended that we do a pre-inspection which was a huge help in moving things forward; she even reimbursed us for it!
"
- Dave Waddell
"
Sold a Single Family home in Tiffany Park, Renton, WA.
We can’t recommend Kat enough! She made the process of selling our home as stress-free as it can be. We knew we were going to sell the house but didn’t know exactly when or even where to begin. We’d bought a place at the coast a couple years ago and gradually was making the transition to move to that home as our permanent home. When we were at the house in Renton, Kat happened to be at the neighbors’ house as she had just represented that buyer for his new home and one conversation led to another and the rest is history. From beginning to end she kept us informed of what was happening and during the process of getting it ready to sell guided us along the way. With her as our agent on this home sale, everything went absolutely great. Thanks, Kat
"
- Barbi Smith
"
Kat brings to the table a wealth of information, experience, and energy to get the job done. I have used her as a real estate sounding board and reference.
"
- TERESA OLDING
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