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Chaz Kerns

Chaz Kerns

Loan Officer

150 120th Ave NE, Suite 300, Bellevue, WA 98005
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Kelsey
Jan 04, 2024
Verified

Collaborating with Chaz to facilitate the home purchases for two mutual clients has been an exceptionally positive experience. His diligence, expertise, and commitment to excellence were evident throughout the entire process. Chaz seamlessly guided both buyers through the intricacies of securing financing, demonstrating an in-depth understanding of the real estate market and a proactive approach in addressing potential challenges. The clear and consistent communication maintained by Chaz fostered a sense of trust and confidence for both clients, making the financing process smooth and transparent. I am impressed by Chaz's ability to tailor solutions to meet each client's unique needs and navigate the complexities of each transaction. Without hesitation, I highly recommend Chaz for his exceptional service and unwavering dedication to client success in the home buying journey.
Chris K
Nov 03, 2023
Verified

I'm a managing broker with Sotheby's International Realty. Working together for the first time, Chaz helped my client close two simultaneous single-family home purchases. Unusually tricky due to our shared client's complicated financial picture, coupled with a challenging double-lot situation on one of the homes -- pulling these two purchases off required significant resource and creativity. Chaz worked hard to overcome several obstacles, including the mid-stream pivot from a non-Qualified Mortgage product to a Qualified Mortgage product on one of the two homes... a situation in which many mortgage advisors would have wilted.
Kelsey
Apr 16, 2024
Verified

Working with Chaz was an absolute delight! Their communication skills are impeccable, always keeping everyone in the loop and ensuring a smooth process. He goes above and beyond to make sure first-time homebuyers feel comfortable and informed every step of the way. Chaz’s friendliness and professionalism sets him apart, making him a top choice for anyone navigating the home buying process. Highly recommended!
Matt
Mar 25, 2024
Verified

I represented a seller of a property and Chaz was the buyers' loan officer. My first impression was very positive, as Chaz is one of the few loan officers that personally calls the listing broker when his buyer's offer is submitted. This inspired confidence, and Chaz followed through with his first impression the entire way through the transaction. He was very professional with excellent communication, and updated me regularly through the process. Chaz was always upbeat as well! Great job Chaz!
Jamie Q
Mar 20, 2024
Verified

Chaz was fantastic to work with and did a great job for my clients. Always responsive, helpful and knowledgeable. This was my first time closing a deal with Chaz and I will be recommending him in the future :)
Jackie D
Mar 06, 2024
Verified

Chaz was the buyers lender on my listing. He was phenomenal to work with. He exhibited a forward-thinking approach by proactively addressing any potential issues. Closing a loan in 15 days! His communication was superb. Thank you for such a great experience. Hope to work with you again soon Chaz!

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NMLS ID #2008701
I am authorized to do business in the states of Texas and Washington.