Explore mortgage options with O'Keven Financial
Your premier mortgage lender located in Bellingham, Washington. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
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We recently bought a new home and working with Ryan was the absolute best. He made the transaction so easy. This was our 3rd home to buy, and it was... read more
Elya Ponce
Ryan is AMAZING!!! Professional and caring all wrapped up in one intelligent capable person!!! Highly recommend!!!
Angela Feaselman
I wasnt sure If would could be able to get a loan for a house. RYAN DAVIS was awesome he helped me get to were I needed. He was always... read more
Jessica Payan
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I have used O'Keven Financial to buy and refinance several properties including Investment properties and they are excellent. I highly recommend them because of their expertise and their accessibility.
Rodney Davis
So helpful, every step of the way! Highly recommended!!!
Jamie Galindo
Great home buying experience with Ryan.
Cynthia Losey
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Ryan O'Keven was an absolute miracle worker! He is a true professional and an expert in his field. His guidance was instrumental in us closing on our mortgage, and I... read more
Mike Norton
Ryan got me a really good rate and explained things throughout the process. It was my first time buying a home so I had a ton of questions. Always responded... read more
David Astro
Yesss all the above!! We were very blessed with Ryan’s support & help with the whole process, made buying our new home so much easier! Thank you Ryan for all... read more
Sonia Tarin
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Ryan Davis was exceptional when it came to getting a loan for our home. He was professional, very attentive to our needs and does his absolute best to get the... read more
Nicole White
Ryan Davis is awesome! We worked with him from the beginning to close. He answered all questions we had and kept constant communication with us. He made the home buying... read more
Cassandra Garcia
As a Realtor I have worked with many lenders. Ryan Davis with O'Keven Financial is at the top of my list. He has made every transaction very smooth... read more
Haley Kinney
