About Us
We strive to provide be the best mortgage service provider in the area. We've recently aligned with Hometown Lenders, a like minded company, to improve our service, rates and turn times in order to make our vision a reality.
How We Got Started
I started in 1995 in my family business, Evergreen Pacific Mortgage, after working as a financial advisor. Over the years, my sister, Jennifer Nunley, and I have ran a couple of various branches for different mortgage companies and we have now aligned with Hometown Lenders, Inc. They are a like-minded organization that truly values the customer experience.
The products and services we offer
Recommendations Received (47)
"On top of things, forward thinking, exactly the kind of person you need working on your loan or a..."
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"On top of things, forward thinking, exactly the kind of person you need working on your loan or a loan for your client!"
"Jeff is a highly experienced broker focused on his local community & providing excellent service."
Products & Services
As a Mortgage Adviser my role is to make sure my client gets the RIGHT loan. Any mortgage company can get someone into a home but getting the mort...
Refinancing your home loan can help you optimize your loan to meet you goals over time. Accessing you home's equity can be a great way to consoli...
Specialty loans and lines of credit for investors and people looking to get started in flipping homes. If you want to start financing ugly homes an...
Recommendations Given (70)
"Charles is a wealth of real estate knowledge. I highly recommend him. "
"I've worked with Patrcia several times over the years. She does a great job!"
Recent Activity
Jeff from Jeff Nunley Mortgage Advisor at NOVA Home Loans NMLS 257282 Answered this on March 16, 2022
I think everyone agrees the first step is getting pre-approved. However, we all know you're looking at homes before you ever decide to do that. So dream and then decide you're going to buy. The decision comes first. Bob Proctor, the self help guru, tells a story about a couple who tells him...
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I think everyone agrees the first step is getting pre-approved. However, we all know you're looking at homes before you ever decide to do that. So dream and then decide you're going to buy. The decision comes first. Bob Proctor, the self help guru, tells a story about a couple who tells him they want to buy a home but they don't have the money. He says "you don't need the money because you haven't decided to buy the home". The decision, the resolve, must come first, then the people, money, etc will appear. Not magically, but it does happen. After the decision is made, give me a call.
Jeff from Jeff Nunley Mortgage Advisor at NOVA Home Loans NMLS 257282 Answered this on April 19, 2019
That's like asking is a ham sandwich is a bad sandwich. A reverse mortgage serves a valid purpose for seniors who are looking to tap their home equity. It's not for everyone and should be sold to someone only who Recent changes to plan design have made it a better choice for some but also have...
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That's like asking is a ham sandwich is a bad sandwich. A reverse mortgage serves a valid purpose for seniors who are looking to tap their home equity. It's not for everyone and should be sold to someone only who Recent changes to plan design have made it a better choice for some but also have made it less available to many borrowers who could have used the product. Fees are higher than a typical forward mortgage but it's not a surprise given you never have to make a payment on the loan to the lender. For the right person they are a good solution.
Jeff from Jeff Nunley Mortgage Advisor at NOVA Home Loans NMLS 257282 Answered this on April 01, 2019
In my experience as long as you are seen as adding value you can follow up as often you as you like. If you are offering insight, education, tools, etc then you're really not ever going to be pushy.
That said , I'm sure there are industries or products that simply don't fit that education...
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In my experience as long as you are seen as adding value you can follow up as often you as you like. If you are offering insight, education, tools, etc then you're really not ever going to be pushy.
That said , I'm sure there are industries or products that simply don't fit that education selling mold . In that case vary your follow-up . Text , email, and call . I prefer to follow up more in the beginning and I don't think that leaving a message and texting right behind it saying you left a message is bad idea . A couple of times a week will probably be sufficient dropping down to once a week or less if you can't get traction fairly quickly.
If they really do need 7 contacts or more (as they say) before they make a buying decision then get those contacts out of the way as fast as reasonably possible.
Jeff from Jeff Nunley Mortgage Advisor at NOVA Home Loans NMLS 257282 Answered this on December 16, 2018
I've been both a mortgage broker and a mortgage banker over the last 25 years. As I broker I was able to shop many different lenders for my clients in order to find the best rate, fees and programs. As a banker, I work for a particular lender. As a banker I've found that I develop...
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I've been both a mortgage broker and a mortgage banker over the last 25 years. As I broker I was able to shop many different lenders for my clients in order to find the best rate, fees and programs. As a banker, I work for a particular lender. As a banker I've found that I develop relationships with my underwriters and other support staff. I have also found that while I had many programs to choose from as a broker, as a lender I get more flexibility in guidelines that can make getting a loan done a bit easier.
Currently I work for a mortgage banker but I do get the ability to broker if we don't have a particular product. It's somewhat the best of both worlds.
Jeff from Jeff Nunley Mortgage Advisor at NOVA Home Loans NMLS 257282 Answered this on December 07, 2018
2019 is the year of consumer direct marketing. Mortgage Advisers typically focus on building relationships with Realtors and other professionals. While there is no doubt that referrals and repeat customers are the most effective and least expensive clients to acquire they can also be the least...
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2019 is the year of consumer direct marketing. Mortgage Advisers typically focus on building relationships with Realtors and other professionals. While there is no doubt that referrals and repeat customers are the most effective and least expensive clients to acquire they can also be the least predictable. Paid for traffic through marketing as part of a consolidated strategy can help to smooth out and/or scale production in a relatively predictable way.
In addition, if most, if not all, of your business comes from like professionals how are you ever able to return the favor and refer back to a deserving partner. Referrals should be a two way street and that is not typically the case for a Mortgage Adviser. I want to change that as well.
Jeff from Jeff Nunley Mortgage Advisor at NOVA Home Loans NMLS 257282 Answered this on October 29, 2018
Unless you live under a rock you've known for a long time that rates are heading higher. My strategy hasn't changed because I had already baked rising rates into the plan. As I look to finalizing the business and marketing plan for next year (this week) I've continued to build the odds of rates...
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Unless you live under a rock you've known for a long time that rates are heading higher. My strategy hasn't changed because I had already baked rising rates into the plan. As I look to finalizing the business and marketing plan for next year (this week) I've continued to build the odds of rates going higher still into the plan.
The real challenge in most markets however, isn't rising rates it's the lack of inventory. In my market of $369,000 people we have only 740 ish homes on the market at any given time and we are building only about 40% of the homes we need to keep up with demand. Rents are also still climbing at around 6% a year so demand for housing will remain strong and prices will continue to rise despite rising interest rates. With numbers like these my challenge is to grab more market share and also to effectively expand my footprint so I can move into additional markets to expand my pool of buyers.
I also believe that one needs to have a refinance pillar to their plan. Ideally this pillar is one that is not so rate sensitive but has a need that can be solved by refi. Refinances are lower but they still make up a more than reasonable percentage of the overall number of loans being done so to focus solely on purchase money and then complain that there are no houses for buyers seems short sighted.
Jeff from Jeff Nunley Mortgage Advisor at NOVA Home Loans NMLS 257282 Answered this on September 28, 2018
The best advice I got is that if you really nail down your process and create a great experience for your clients that takes care of 90% of your marketing. Also, it helps to really know who your best client is. What is the profile of your perfect client? Get clear on WHO you want to serve and who...
(more)
The best advice I got is that if you really nail down your process and create a great experience for your clients that takes care of 90% of your marketing. Also, it helps to really know who your best client is. What is the profile of your perfect client? Get clear on WHO you want to serve and who you are good at serving and build your system around finding more of those people. Get clear and do the work and business will flow.
