Andy is the Branch Manager at Finance of America Kirkland and the leader of the Allred Lending Team, a full-service residential mortgage banking firm. Andy possesses unique qualities and expertise to share with his clients that is derived from his 20 years in mortgage and financial advisory experience. Known in the local community as “The Mortgage Coach” (from time spent volunteering to coach youth and high school sports), Andy’s role is to coach his clients to make smart decisions to ensure that they have leveraged themselves in the best, most conservative model that maximizes wealth creation and financial security for their families. If a Financial Planner is your asset manager, then think of Andy as your debt manager.
Andy holds a Bachelor of Arts degree in Economics from the University of Washington and has lived in Kirkland his entire life. In his spare time, he and his wife Debbie love to take their boys Drew and Jack to the shores of South Puget Sound (Hood Canal) to make unforgettable adventures and memories with friends and family.
Get an idea of what your monthly mortgage payment may be, including costs associated with your mortgage such as property taxes, homeowners insurance, and Private Mortgage Insurance (PMI), if applicable.
Recalculate your new house payment based on loan amounts, interest rates, and other factors, to see if refinancing your mortgage is a smart financial move.
Calculate how much house you can afford. Get an estimate for a mortgage amount that may fit comfortably within your budget.
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
You have questions, we have answers.
Together, we’ll find great mortgage solutions.
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