Tiffany Bergsma-Evans, Mortgage Loan Officer

Tiffany Bergsma-Evans

AVP, Mortgage Loan Officer
NMLS# 487561
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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:

6.673%

APR

30-year Fixed Rate Purchase

6.454%

APR

15-year Fixed Rate Refinance

6.160%

APR

30-year VA Purchase

6.160%

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 6.625% 6.673% 0.000 $300,000.00 $1,920.93
15-year Fixed Rate Purchase 6.250% 6.329% 0.000 $300,000.00 $2,572.27

Interest Rates Effective: 7/12/2024

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 740. 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.

Refinance: Rate-and-Term Refi Rates

Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 6.875% 6.924% 0.000 $300,000.00 $1,970.79
15-year Fixed Rate Refinance 6.375% 6.454% 0.000 $300,000.00 $2,592.75

Interest Rates Effective: 7/12/2024

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) 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.

VA Home Loan: Purchase

Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year VA Purchase 6.125% 6.160% 0.000 $400,000 $2,430.44

Interest Rates Effective: 7/12/2024

Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 740. 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.

 

Interested in other financing options? See all mortgage rates.