Is there a loan officer you're looking to apply with?

Please create an account to get started!

Apply Now

Let's get started.

Please select your state:

Christmas Tree Sweepstakes Rules

NO PURCHASE IS NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT INCREASE THE CHANCES OF WINNING.

1. Eligibility: This Campaign is open only to those who follow https://www.facebook.com/katiedillingerloanofficer and who are 18 years or older as of the date of entry. The Campaign is only open to legal residents of the United States, and is void where prohibited by law. Employees of Life Mortgage, its affiliates, subsidiaries, advertising and promotion agencies, and suppliers, (collectively the “Employees”), and immediate family members and/or those living in the same household of Employees are not eligible to participate in the Campaign. The Campaign is subject to all applicable federal, state, and local laws and regulations. Void where prohibited.

2. Agreement to Rules: By participating, the Contestant (“You”) agree to be fully unconditionally bound by these Rules, and You represent and warrant that You meet the eligibility requirements. In addition, you­­­­­­­ agree to accept the decisions of Life Mortgage as final and binding as it relates to the content of this Campaign.

3. Campaign Period: Entries will be accepted starting on November 23rd, 2021 and ending December 3rd, 2021.

4. How to Enter: The Campaign must be entered by following https://www.facebook.com/katiedillingerloanofficer. The entry must fulfill all Campaign requirements, as specified, to be eligible to win a prize. Entries that are incomplete or do not adhere to the rules or specifications may be disqualified at the sole discretion of Life Mortgage. You may enter only once. You must provide the information requested. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules. If You use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of Life Mortgage.

5. Prizes: The Winner(s) of the Campaign (the “Winner”) will receive an artificial holiday tree, valued at $250.00. Actual/appraised value may differ at time of prize award. The specifics of the prize shall be solely determined by Life Mortgage. No cash or other prize substitution shall be permitted except at Life Mortgage’s discretion. The prize is nontransferable. Any and all prize-related expenses, including without limitation any and all federal, state, and/or local taxes, shall be the sole responsibility of Winner. No substitution of prize or transfer/assignment of prize to others or request for the cash equivalent by Winner is permitted. Acceptance of prize constitutes permission for Life Mortgage to use Winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

6. Odds: The odds of winning depend on the number of eligible entries received.

7. Winner Selection and Notification: Winner will be selected by a random drawing under the supervision of Life Mortgage. Winner will be notified by means of email within 1 day following selection of Winner. Winner will also be announced on Facebook platform. Life Mortgage shall have no liability for Winner’s failure to receive notices due to spam, junk e-mail or other security settings or for Winner’s provision of incorrect or otherwise non-functioning contact information. If Winner cannot be contacted, is ineligible, fails to claim the prize within 2 days from the time award notification was sent, or fails to timely return a completed and executed declaration and release as required, the prize may be forfeited, and an alternate Winner selected. Receipt by Winner of the prize offered in this Campaign is conditioned upon compliance with any and all federal, state, and local laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY WINNER (AT LIFE MORTGAGE’ SOLE DISCRETION) WILL RESULT IN WINNER’S DISQUALIFICATION AS WINNER OF THE CAMPAIGN, AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.

8. Rights Granted by You: By entering this content (e.g., photo, video, text, etc.), You understand and agree that Life Mortgage, anyone acting on behalf of Life Mortgage, and Life Mortgage’ licensees, successors, and assigns, shall have the right, where permitted by law, to print, publish, broadcast, distribute, and use in any media now known or hereafter developed, in perpetuity and throughout the World, without limitation, your entry, name, portrait, picture, voice, likeness, image, statements about the Campaign, and biographical information for news, publicity, information, trade, advertising, public relations, and promotional purposes. without any further compensation, notice, review, or consent. Optional verbiage for Contests: By entering this content, You represent and warrant that your entry is an original work of authorship, and does not violate any third party’s proprietary or intellectual property rights. If your entry infringes upon the intellectual property right of another, You will be disqualified at the sole discretion of Life Mortgage. If the content of your entry is claimed to constitute infringement of any proprietary or intellectual proprietary rights of any third party, You shall, at your sole expense, defend or settle against such claims. You shall indemnify, defend, and hold harmless Life Mortgage from and against any suit, proceeding, claims, liability, loss, damage, costs or expense, which Life Mortgage may incur, suffer, or be required to pay arising out of such infringement or suspected infringement of any third party’s right.

9. Terms & Conditions: Life Mortgage reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Campaign should virus, bug, non-authorized human intervention, fraud, or other cause beyond Life Mortgage’s control corrupt or affect the administration, security, fairness, or proper conduct of the Campaign. In such case, Life Mortgage may select the Winner from all eligible entries received prior to and/or after (if appropriate) the action taken by Life Mortgage. Life Mortgage reserves the right, in its sole discretion, to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Campaign or website or violates these Terms & Conditions. Life Mortgage has the right, in its sole discretion, to maintain the integrity of the Campaign, to void votes for any reason, including, but not limited to: multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by Campaign rules; or the use of bots, macros, scripts, or other technical means for entering. Any attempt by an entrant to deliberately damage any website or undermine the legitimate operation of the Campaign may be a violation of criminal and civil laws. Should such attempt be made, Life Mortgage reserves the right to seek damages to the fullest extent permitted by law.

10. Limitation of Liability: By entering, You agree to release and hold harmless Life Mortgage and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any liability, illness, injury, death, loss, litigation, claim, or damage that may occur, directly or indirectly, whether caused by negligence or not, from: (i) such entrant’s participation in the Campaign and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof; (ii) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, or software, or other mechanical equipment; (iii) the unavailability or inaccessibility of any transmissions, telephone, or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error in the administration of the Promotion or the processing of entries.

11. Disputes: THIS Campaign IS GOVERNED BY THE LAWS OF the UNITED STATES AND WASHINGTON, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Campaign, participant agrees that any and all disputes that cannot be resolved between the parties, and causes of action arising out of or connected with this Campaign, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Washington having jurisdiction. Further, in any such dispute, under no circumstances shall participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this Campaign). Participant further waives all rights to have damages multiplied or increased.

12. Privacy Policy: Information submitted with an entry is subject to the Privacy Policy stated on the Life Mortgage website. To read the Privacy Policy, https://lifemort.com/privacy/ click here. Note: a privacy policy is optional, but may be required when running a promotion on the web when using third party platforms or when using features from social channels. Including this information makes it clear to your users how you are going to use their information.

13. Winners List: To obtain a copy of the Winner’s name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: Life Mortgage, 842 Washington Way 110 Longview WA 98632. Requests must be received no later than December 3rd, 2021.

14. Sponsor: The Sponsor of the Campaign is Life Mortgage, 842 Washington Way 110 Longview WA 98632.

15. By entering this contest, You, the Contestant, have affirmatively reviewed, accepted, and agreed to all the Official Rules.

16. This campaign hosted by Life Mortgage is in no way sponsored, endorsed, administered by, or associated with Facebook.

Outside Magazine says Mann Mortgage is one of the best places to work in the US

Mann Mortgage earned a place on Outside magazine’s 50 Best Places to Work in 2021, making this the second year in a row we’ve made the list. We are the only mortgage company or home loan provider to be included. We were recognized for our benefits, work-life balance, job satisfaction, and trust in our leadership. This honor was announced on the heels of being named a Top Mortgage Workplace by MPA just weeks ago.

“Making Mann Mortgage a great place to work and do business is our priority no matter what. Since January 1 of 2020, we went from just 25 remote or hybrid employees to 185 today. That’s 40% of our workforce now working outside the office,” says Jason Mann, CEO. “Our employees made this big adjustment, stayed true to our core values, and kept Mann Mortgage a great place to work. I find that inspiring! For Outside to find it inspiring too and include us among their list of incredible organizations again this year is a great honor.”

Outside accepts submissions from companies around the U.S. to be included in their prestigious list of Best Places to Work. Each company’s workplace culture, demographics, work-life balance, and perks of the job are evaluated. In addition, they do an extensive anonymous survey with current employees to get their take on the work environment. Only those companies that excel in both areas – providing excellent company benefits and getting great reviews from employees – make it to the list of 50 Best Places to Work.

“We are spoiled in unique ways,” said one employee. “From getting our birthday off to $100 meal reimbursement on our work anniversary, we feel supported in and out of work.”

Mann Mortgage employs just under 500 people across the United States. In addition to traditional benefits, we offer our diverse team a variety of non-traditional benefits that add to our award-winning cultures. A few highlights include a bonus incentive, happy hours, lifestyle reimbursement program, onsite fitness center with classes, company gatherings, and a healthy wellness plan.

“This award is a great reminder that our employees are happy. They work hard, support each other, and have fun along the way,” said Tara Tucker, HR manager. “We want Mann to be a positive place where people are excited to come to work and have a voice in the company.”

We’re hiring

Mann Mortgage is always on the lookout for talented and fun-loving people to join our corporate and branch teams. We hire for positions such as loan originators, processors, quality control, underwriters, and construction loan specialists. You can view and apply for open positions at mannmortgage.com/careers or email your resume and cover letter to jobs@mannmortgage.com.

What does it mean to refinance your loan?

What is a mortgage refinance?
A mortgage refinance is a process of replacing the terms of an existing mortgage. Most often, homeowners use a refinance to take advantage of better interest rates so they can lower their monthly payments. But they can also refinance to change the type of loan, adjust the length of the loan, or take out cash from their home’s equity.

How does a refinance work?
The process usually starts with the borrower working with their loan officer to select a new loan that will give them the terms they need. The borrower then completes the application process for the new loan. Next, the mortgage underwriters review the refinance loan application and determine whether the borrower’s payment history, credit, income, employment, assets, and cash reserves make it likely they will pay back the loan. If the loan is approved, the borrower would close on the loan, the funds would be used to pay off the original mortgage, and the borrower will make monthly payments to pay off the refinance amount (with, hopefully, more favorable terms than the original).

When to consider refinancing

Get a better interest rate. As a homeowner builds equity in their home, they may have access to better mortgage options. As interest rates lower, homeowners can save hundreds of dollars per month by refinancing.

Pay off a mortgage sooner. If a homeowner can make larger payments, they may consider refinancing to shorten the term of their loan. This may be an especially smart option if interest rates have dropped since they can take advantage of the interest rate savings to lessen the cost of the reduced number of mortgage payments.

Get a different type of loan. Borrowers with an adjustable-rate loan may want to refinance to a fixed-rate mortgage. Though they often have higher interest rates (especially compared to the first few years of an adjustable-rate loan), they’re stable. And it’s easier to plan for your financial future knowing exactly how much you’ll be paying each month. If interest rates fall to a new low, it might be worthwhile to lock in a low rate for the full term of your mortgage.

If homeowner has 20% equity in their home, they may want to refinance out of a loan that requires mortgage insurance premiums to a conventional loan (which doesn’t require it for borrowers with a 20% down payment). This strategy could save the borrower from having to pay any extra for the insurance premiums.

Get cash. A cash-out refinance replaces an old mortgage with a new loan for a larger amount. The borrower can keep the difference in cash to use for home renovations, pay down high-interest debt, or fund a large purchase. When interest rates are low, this may be a great option to pay for items that would typically be financed through a higher-interest loan (like a credit card).

How much does it cost?

If your refinance is approved, you’ll pay fees when the loan closes. Typical fees include the cost for origination, credit report, home appraisal, home inspection, title search, recording, and reconveyance fee. All total, the closing costs are around 2% to 5% of the total loan amount.

A borrower will have to consider the cost to refinance before they decide whether it’s a good financial option for them. Refinancing for a lower rate is great for homeowners who plan to stay in their house for many years. For borrowers that are considering moving, it may cost more to close on the refinance than they would save in the short amount of time they’ll be in their home.

How many times can a borrower refinance?
Legally, a borrower could do it as often as they wanted. But a mortgage lender will likely have their own rules around how often it can be done.

Should you refinance?

If you’re wondering whether you should refinance, talk to your local Mann Mortgage loan officer. It’s a complex financial transaction, and you’ll want an expert to crunch the numbers, go over closing costs, and together decide whether now is the right time for you to refinance. Learn more about refinancing at mannmortgage.com/refinance.

Get Started in Less Than 10 Minutes

Get pre-approved with our online mortgage application. It’s simple, fast & secure!