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Steven Konwent

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Hello thanks for visiting!  Here is a little about me: I am a family guy first and foremost with a wonderful wife of 25 years and a bunch of wonderful children. We have a great time as a family while out and about or just at home playing around, working in the garage building things, doing yard work, martial arts or any of the activities we do as a family. Hiking and boating around the Pacific Northwest are a couple things we really enjoy but we don’t do it nearly enough. Seeing this amazing creation all around us makes us thankful that we live in one of the most beautiful states in the country

Branch Manager / Loan Officer
NMLS # 181451
253-921-4323
stevenk@mortgageright.com

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Testimonials

Steve and the MortgageRight team were absolutely 1st Class during the entire process. I started with Wells (trying to get approval and answers for over 3 weeks!) My agent referred me to Steve… I talked to him at about 9AM on Wednesday and we had full approval and started shopping the NEXT DAY! Got a house too, offer accepted Friday. I’m so grateful that we connected and I’ve sent 2 friends over who will buy new homes soon too. They have been equally happy as well 😊
Tracy J
Tracy J5-Star Review
Steve did an excellent job with my home purchase. He went above and beyond my expectations. He even had lunch delivered during my inspection. He is always available and provides the utmost pristine service. I would recommend Steve to everyone.
merolaja
merolaja 5-Star Review
Steve helped me purchase my first home. He was very thorough and knowledgable every step of the way. My situation was a bit special since I had to sign for the purchase of my home while I was oversea's. Steve helped me navigate all the paperwork with the toughness of a season pirate and the touch of an stern teacher. I don't think I could have gotten through buying my first home if it weren't for Steve's help. I would love to come to Steve again for a refinance or a new home purchase in the future!
Ryan B
Ryan B5-Star Review
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Mortgage Loan Options

CONVENTIONAL MORTGAGE LOANS

  • Conventional loans are not insured by a government agency
  • Require a minimum 3% down payment
  • There are a variety of fixed and adjustable rate conventional loans to choose from
  • Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments
  • Interest rate varies based on credit score and loan term
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms

FHA MORTGAGE LOANS

  • Great for first-time buyers and buyers with lower credit scores
  • FHA loans are not restricted to first-time home buyers or low-income buyers
  • Easier requirements for income and credit score
  • Minimum down payment 3.5% and lower closing costs
  • Mortgage Insurance may be less costly than private mortgage insurance (PMI)
  • Seller can contribute up to 6% of selling price to cover closing costs

USDA MORTGAGE LOAN

  • Special financing in USDA defined areas
  • Flexible credit guidelines and qualifying criteria
  • Lower than market interest rate
  • No down payment required
  • Closing costs can be seller-paid or rolled into the loan
  • Lower monthly private mortgage insurance (PMI)
  • Ability to finance upfront PMI

VA MORTGAGE LOAN

  • Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
  • Qualify with suitable credit, adequate income and valid Certificate of Eligibility
  • Borrow up to 100% with no money down and no mortgage insurance requirement
  • Veterans can refinance through the IRRRL (streamline refinance)
  • Can include cost of remodeling up to 103.15% appraised value
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms

JUMBO MORTGAGE LOAN

  • Financing for high-priced and luxury homes
  • Good option for self-employed buyers
  • Available for primary residences, second homes and investment properties
  • Flexible down payment minimum of 5% on loans up to $2 million
  • Mortgage insurance is not required
  • Jumbo cash out refinances up to 95% loan to value with no mortgage insurance

REVERSE MORTGAGE LOAN

  • Borrower remains the owner of the home
  • Can stay in your home without ever making another monthly mortgage payment
  • With a Reverse Mortgage, the borrower receives funds payable when the last borrower leaves
  • Borrowers must occupy the property as their principal residence
  • Protection against a declining housing market
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The Benefits Of Refinancing

If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.

Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.

It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses. 

Remodel / Renovation

Lifestyle Upgrades

New Start-Up Business

New Baby on board / Adoption expense

Debt Consolidation

Education expense

significant Home damage

When she says 'yes'

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