Buying a home, whether for the very first time or not, is an exciting time. At Suncadia, we know how important it is for members of our community to purchase a Cle Elum vacation property they will love for years to come, one that fits their lifestyle and that they are happy to come home to weekend after weekend. That’s why we have partnered with some of the best home builders, architects and lenders in Washington. Here, we chat with David Angrove, branch manager at Advisory Lending Group.

About the Advisory Lending Group

The Advisory Lending Group is a division of American Pacific Mortgage Corporation, a west coast-based mortgage banker that consistently closes $8-$9 billion in loans, annually. We provide all traditional financing (Conv/FHA/VA/USDA) with an emphasis on jumbo lending and custom construction loans, which are vital for Suncadia.

Three Decades Worth of Experience

I have been in the mortgage banking industry since 1985 and have been working with Suncadia homeowners since late 2007. In that time, I have had the opportunity to work on behalf of approximately 125 Suncadia families.

Four Must-Ask Questions for Mortgage Lenders

I welcome my clients to ask critical questions, after all, they are about to take on (in most cases) the most significant debt of their lives. Some of the key questions, every client should ask a mortgage lender are:

What type of loan program is best for me/us?

It is critical for a lender to not fit the client into what the lender perceives as the loan best for the client but rather, the lender needs to gather enough information from the client before recommending a specific type of loan. The client should not be hesitant to have the lender explain the pros and cons of their recommendations.

Are you and your company able to make the final lending decision in-house?

This is a critical component of lending; is the mortgage advisor and its company the ultimate decision maker for this loan or is there another ‘layer’ or entity that gives the final decision. Having the ability to give that all important YES to financing, separates a mortgage banker from most mortgage brokers, who do not have the ability to give the final decision.

What are your closing costs and do you charge a loan fee or points?

Every client has the right to receive a loan estimate once they have made formal application for the specific loan program they have selected that suits their individual needs. The mortgage advisor should be able to show a loan program with and without loan fee and/or points so that the client can compare the corresponding interest rates and make an informed decision about which option to select for their needs.

Can you meet the financing timeline of my purchase and sale agreement?

Often, clients can be swayed by ‘chasing’ the rate, especially from online companies, but then find out that the lender they selected cannot accomplish the most important aspect of any transaction: close on time. Choosing a local lender with knowledge of the area, who assess third party vendors that are involved in the loan functions (title, escrow, appraisal management companies), and are able to make the final underwriting decision and funding (closing of the loan) are just as important as receiving a competitive interest rate. Not closing on time per the Purchase and Sale Agreement deadline could result in the client not realizing their dream home.

Lofty Goals

My goal for my clients is to always ensure great communication during the loan process, always closing on time, providing more than one loan program/product that gives my clients options that suit their individual financial needs, offer competitive rates and most importantly, represent their interests throughout the loan process.

Detailed Loan Analysis

One of the things I offer to my clients that I believe many other lenders or companies do not, is a detailed loan analysis for their individual lending needs, whether it be a purchase or refinance. This proprietary analysis provides my clients a side-by-side comparison of two or three specific loan programs/products that we have targeted based on in-depth conversation and their individual finances. This allows the client to make the most informed decision that best suits a specific financial goal.

Always Available

This industry is not and should not be based on a 9-5 work day. I believe on being available for my clients via phone, email or in person as they need me, regardless of the day of the week. I think this separates me from the traditional ‘big box’ banks/credit unions. I never view a client calling after hours or during the weekend as anything other than, they have a concern, question or need clarification on their financing options.

Want to learn more about our featured lenders at the Advisory Lending Group? Contact David Angrove at dangrove@advisorylendinggroup.com.

Grand romantic gestures, cheeky puns, chocolate and heart-shaped candy…Valentine’s Day and the long weekend are around the corner and everyone at Suncadia is getting in the spirit and ready to celebrate.

Suncadia is a place to be with your family and friends, for generations to get together at a table, by the pool, around a campfire. Here, the air is crisper, the stars brighter, and the seasons more delightfully distinct—and you’ll love all four of them. Whether you’re spending the day with your partner, your BFF, your kids or whoever makes you happy, we’ve got some ideas to have some fun under the Cascadia sun and snow.

Dream Home Tour

Your dream home—or homesite on which to build the perfect getaway—is waiting. To participate in the February 17th Home Tour, just stop by the Sales Center to pick up a Suncadia map. Spend an hour or spend the whole day visiting the properties, all the while soaking in the Suncadia community and the fresh mountain air. Roses are red, violets are blue and a house in Suncadia would sure look good on you.

Feb 17 | Pick up a map at the Suncadia Sales Center

A Touch of Europe in the Cascades

The Swiftwater Cellars experience has a European sophistication to it, from the architectural details and mining relics to the comfortable atmosphere. Don’t miss a very special Valentine’s Day event featuring a sumptuous Pacific Northwest dinner prepared with the freshest ingredients, premium wines and specialty cocktails, and live music performances.

Feb. 14, 5pm-9pm | swiftwatercellars.com

Love(rs) Mixology

Join the experts from Heritage Distilling Company for a love-inspired mixology class. You and your favorite person will learn how to make four specialty cocktails and, of course, enjoy them.

Saturday, Feb. 16, 6pm | loversmix.eventbrite.com

Canvas & Cocoa

Little cupids get to play Picasso during a guided painting lesson featuring everything they’ll need to come up with a masterpiece—including canvas, brushes, aprons and, of course, the elixir of the love gods: hot cocoa.

Feb. 18, 6pm | $35 per painting | Kids under 12 require adult participation

Spa-aaaaah Day

Enjoy a massage, facial or body treatment with your partner in crime at the Glade Spring Spa. Book two 50-minute services and receive two complimentary Sparkle Hour Day Passes for a return visit.

Making a Splash at River Ridge and the new Nelson Farm Pool – 1288 views

The arrival of every new year gets us thinking about the exciting things to come, the many happy memories we made and the new faces we met in the year past. And 2019 is no different.

Looking back at some highlights of 2018, we turned to our blog to find the most popular posts and discovered that readers love our home tours—hardly surprising since the homes that have come up for sale at Suncadia are drool worthy, indeed.

You also loved learning about the people who help shape Suncadia into a community you hold close to your heart. And our Spotlight column, which celebrates the staff who play a role in the way residents and guests enjoy their time here, has become quite popular with readers.

But there was one blog post that really made a splash, and that was back in May when we recapped the debut of the new Nelson Pool. Set in the heart of Nelson Preserve right across the street from River Ridge, the pool became a favorite with residents and friends who enjoyed the splash pad, the mini river, and the hot tub all summer long.

If you were not there for the grand opening party or simply want to reminisce, we invite you to take a trip down memory lane and read all about it here.

Happy New Year and we hope to see you soon in our mountain playground!