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FROM THE HOME TO THE NUMBERS

Picture living there.
Then see what fits.

Maybe it’s the kitchen, the neighborhood, or a little more room. A home catches your eye. The next question is practical: what would it take to make it yours?

That’s where I come in. I compare wholesale loan options and help you look at the monthly payment, cash needed at closing, and terms together. On eligible Trending Home Deals listings, the Wholesale Advantage offer may help with closing costs, too.

The Ballard home above is one place to start. Explore it, picture your day there, then let’s see whether the numbers fit your plans.

A little help at closing.

The offer is for designated featured homes, not every listing or loan. Eligibility and lender approval apply, and the full loan still needs to work for you.

How the credits work, and who may qualify

The separate appraisal credit covers the actual fee, up to $650. If there is no appraisal fee, including when an appraisal waiver applies, there is no appraisal credit. Both credits are applied at closing, not paid upfront. The closing-cost credit does not reduce your interest rate.

Review the full quote even when a credit is available. Rate-related lender credits can involve a higher rate, while discount points involve additional upfront cost for a lower rate. Ask how each credit is funded and whether it affects your rate. The CFPB explains these tradeoffs.

Explore the neighborhood

Redfin’s listing displays 8.0/10 “Very walkable,” 8.1/10 “Very bikeable,” and 5.3/10 “Good transit.” These ratings are attributed to Walk Score and Local Logic on the listing, as viewed November 3, 2026. They are neighborhood indicators, not measured travel times from the front door.

  • Outdoor space: Gilman Playground, at 923 NW 54th Street, has ballfields, tennis courts and a play area. Its wading pool is seasonal.
  • Local stops: Ballard Farmers Market runs Sundays, 9 a.m.–2 p.m., year-round on Ballard Avenue. Woodland Park Zoo is another area destination, at 5500 Phinney Avenue N.
  • Schools: West Woodland Elementary is nearby at 5601 4th Avenue NW. Redfin also lists Hamilton International Middle and Ballard High. Confirm the address’s current attendance-area assignments and enrollment directly with Seattle Public Schools; proximity is not an enrollment guarantee.

Check the routes, crossings, transit service and amenities that matter to your own routine. No walking time or school-quality ranking is implied.

YOUR PROPERTY CONTACT

Meet Steven Brown.

Compare other new-construction homes

These Ballard-area listings offer a few different price points and layouts. They are independently listed comparison homes, not Wholesale Advantage featured offers. Credit availability has not been established for them, and this article does not imply that Steven represents their sellers.

Listings reviewed November 3, 2026. Feed timestamps differ, so confirm current availability, pricing and property details with the listing broker before making plans. New construction does not necessarily mean a detached home.

Bring the home.
We’ll work through the numbers.

Send me the listing, your target payment and your cash-to-close budget. We’ll compare what fits before you decide what comes next.

I can start with a self-reported credit score, without a credit check. It’s a comparison, not a loan approval. You can bring any listing; the special offer stays limited to eligible featured homes.

What to compare in a written loan offer

When comparing written offers, line up the loan amount, program, term and rate-lock assumptions. Review the rate and APR, lender charges, points and credits, total payment, and cash to close. The CFPB’s Loan Estimate guide shows where to find those details.

CHECK THE DETAILS

Sources & offer terms

Reviewed November 3, 2026. Offer amounts follow the terms published on Trending Home Deals. Program availability and property information can change.

Important Wholesale Advantage terms

The $6,000 cap applies only to the up-to-0.75% closing-cost credit. Eligible specialty programs may instead qualify for 0.25% of the final loan amount, capped at $2,500. The separate appraisal credit is limited to the actual fee, up to $650; no fee means no credit. Both credits apply at closing. The appraisal credit is part of the package, which cannot be combined with any other discount or offer.

All loans are subject to underwriting approval; not all applicants qualify. Loan terms, borrower qualifications and the property must meet investor and program guidelines. Actual savings and eligibility vary by transaction. Credits must comply with program and regulatory limits; final terms must be confirmed in the lender’s required disclosures. No lowest rate, approval, seller concession or specific savings is guaranteed.

Property, neighborhood and broker sources

Each comparison home links to its listing source above. Listing information is provided by the respective listing brokers and property platforms.

FOLLOW YOUR CURIOSITY

Keep following the story.

CONTACT LANCE

Talk directly to Lance

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CONTACT LANCE

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YOUR PROPERTY CONTACT

Contact Steven Brown

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