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#KeepPlaying redux

Ashlee Cameron • April 18, 2024

#KeepPlaying by Ashlee Cameron

Ashlee has been part of the Fairway Fam since January 2015 & is currently a Co-Branch Manager out of Silverdale, WA.

 

 



When I tell people I used to live in a bus, on an island, with an outhouse, they don’t believe me. I wouldn’t believe me either. I am rarely caught without lashes or high heels, I’m good for a day hike, but count me out for camping; and in all fairness, I’m a bit extra, so I get it.

 

But it happened. I had just turned 21, dropped out of college, no plan, no degree, parents’ basement, credit score in the low 5’s. I like to refer to this time period as my “early life crisis”. I was aimless, terrified and all I could think was, “Come on Ash, change it”. So I ran away to an Island, because I could and who cares?

 

A year later, I came home -Blissed out from Island life, sun kissed, and jobless. I found employment quickly, scanning documents in the basement of a real estate company bringing them into the digital world.

 

I blinked, and suddenly here I am. Turning 33 on Saturday, still very much in love with my career and pondering how in the heck I’ve been in the real estate game for 11 years.

 

What a WILD ride. Real Estate; the ultimate rollercoaster. And I’m obsessed.

 

Every time we close a loan, every time I get the opportunity to play a small role in helping someone achieve what is still in large part the American Dream, I’m back in line for more tickets, cheering, “Let’s go again”

 

I hear the masses, the media, the world saying, “well, the market is down”, to which I find myself thinking “who cares”. I’m helping people obtain homeownership, because people still need houses. Because people still need mortgages. Because I can.

 

The truth is, a part of my heart will always be with that girl in a bus on Lopez Island. I catch glimpses of that her in my day to day, bartending at the marina, frolicking on 5 acres, cooking over a fire, and it makes me smile. She still exists.

 

In the not so brilliant moments, I can hear her saying, “Come on, Ash, change it”

 

We can’t change the market. We can’t change the rates. I am no longer 22 -there is no Island to run to. 

 

The only way to change it, is to make the calls, set the appointments, do the flippin work. Stay on the ride.

 

And I’m for it. I’m in it. I want to go again. Year 11, but because I’m extra, hands up this time. Let’s Go! 


April 16, 2024
The WHO , WHAT , WHEN , WHERE , WHY , and HOW of REFINANCING WHO – We’ll get back to this one, later on. WHAT – Refinancing means changing the amount, term, or rate of your current loan electively, in order to better suit your needs. The most common reasons you might refinance are in order to pull cash out of the equity of your home, to lower the interest rate and payments, or to adjust the term of your loan (for example if you had an adjustable rate and wanted to change it to a fixed rate instead) WHEN – in general you can refinance at any time, but your loan officer can help guide you with this. Please note that the VA has a strict requirement of 210 days having elapsed from the closing of your previous mortgage before you are eligible to refinance. WHERE – all mortgage lending companies can close refinances, and in most cases the process is much more simple than a purchase. There is less documentation, and since you already live in or own the home so there is no other party to deal with which makes things much easier to manage. Additionally, almost all lenders in the US can complete the entire loan electronically so with the exception of a few closing documents you never even have to set foot in an office (but you SHOULD if you have any questions or want to learn more, it’s FREE) WHY – we’ve covered a few of these above, but in more detail here are some and examples: Rate/Term refinance : A rate/term refinance is most often used to lower your interest rate, and thus lower your monthly payments. For example, if you purchased a $500k home and put 20% down, you would owe $400k. Your payment may look something like this
#mortgage #mortgagebroker #countyourblessings #kitsapcounty #kitsap #mortgages #mortgagelender #mort
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