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Tiffany Bergsma-Evans, Mortgage Loan Officer
Tiffany Bergsma-Evans
Tiffany Bergsma-Evans has been a mortgage lending professional for over 20 years, focusing on serving clients in the Pacific NW. Tiffany's attention to detail, organizational skills, ability to think outside the box, and in-depth knowledge of the mortgage industry make her your "Go-to Expert" for all your lending needs. Tiffany is an experienced lender with a deep understanding of the following loan types: Conventional, Jumbo, Construction, Renovation, Land/Lot, and Government (FHA, VA, USDA Rural and WSHFC), as well as Home Equity Loans and Home Equity Lines of Credit. Tiffany excels in educating first-time homebuyers, as well as partnering with experienced move-up buyers, savvy property investors, and real estate brokers.
Recent recognition includes:
- 2023 Whatcom County Association of Realtors (WCAR) Affiliate of the Year Winner
- 2023 Finalist (1 of 3) for the Washington Realtors Affliate of the Year
- 2021 Whatcom County Association of Realtors (WCAR) Affiliate of the Year Nominee
Born and raised in Whatcom County, Tiffany's prior experience includes property management, real estate, and customer service. She is an active community volunteer, including:
- Women Sharing Hope (WSH) – Active member; serving on the Community Research Committee
- Whatcom County Association of Realtors (WCAR) – Affiliate member; Co-Chair of the Education Committee and serving on both the Banking & Financing and Membership Engagement Committees.
- Whatcom Women in Business (WWiB) – Active member; serving on the Speaker Series Committee
- Habitat for Humanity in Whatcom County – Former Board Member (2007-2012), Past-President (2010-2012) and Former Executive Committee Member (2013-2015)
- DVSAS – Supporter; annual “Tournament of Hope" Golf Classic Sponsor
Tiffany enjoys attending concerts in her free time and traveling as often as possible. She loves hanging out with her family and friends, or you can find her at home, loving on her French Bulldog "Kingston."
Request a Custom Quote from Tiffany
Mortgage rates as low as:
6.568%
APR
30-year Fixed Rate Purchase
5.985%
APR
15-year Fixed Rate Refinance
6.372%
APR
30-year VA Purchase
6.490%
APR
30-year USDA Fixed Rate Purchase
Start Your Loan Application Online
Apply for preapproval, purchase, refinance, or construction loans.
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Documentation Checklist
- Proof of identity: Driver's license or other government-issued photo ID, SSN, signature
- Proof of Income: W-2 wage statements from past two years
- Proof of asset: Bank statements and/or investment account statements
- Employment verification: Pay stubs or business statements for self-employment
- Credit report will be pulled during the application based on ID provided
Purchase: Conforming Loan Rates
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Purchase | 6.500% | 6.568% | 0.375 | $450,000.00 | $2844.31 |
| 15-year Fixed Rate Purchase | 5.875% | 5.946% | 0.125 | $450,000.00 | $3767.03 |
Interest Rates Effective: 07/11/2025
Refinance: Rate-and-Term Refi Rates
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Refinance | 6.625% | 6.681% | 0.250 | $450,000.00 | $2881.40 |
| 15-year Fixed Rate Refinance | 5.875% | 5.985% | 0.375 | $450,000.00 | $3767.03 |
Interest Rates Effective: 07/11/2025
VA Home Loan: Purchase
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year VA Purchase | 6.125% | 6.372% | 0.000 | $500,000 | $3038.05 |
Interest Rates Effective: 07/11/2025
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.