Tiffany Bergsma-Evans, Mortgage Loan Officer

Tiffany Bergsma-Evans

Mortgage Loan Officer
NMLS# 487561
Mobile: 360-303-9540
Office: 360-647-5696

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Tiffany Bergsma-Evans has been a mortgage lending professional for over 17 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 loan types including conventional, jumbo, construction, renovation, land loans, and government (FHA, VA, USDA Rural and WSHFC). Tiffany excels in educating first-time homeowners as well as partnering with experienced move-up buyers, savvy real estate investors, and realtors.

Born and raised in Whatcom County, Tiffany's prior experience includes property management, real estate, and customer service. Tiffany is a former Board Member and Past President of Habitat for Humanity in Whatcom County, an active member of Women Sharing Hope, and currently serves on the Education Committee for the Whatcom County Association of Realtors.

Tiffany enjoys attending concerts in her free time and traveling as often as possible. She loves watching her daughter play select and high school soccer, hanging out with friends and family, and spending time with and loving on her French Bulldog "Kingston."



Request a Custom Quote from Tiffany

 

Mortgage rates as low as:

6.961%

APR

30-year Fixed Rate Purchase

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6.223%

APR

15-year Fixed Rate Refinance

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6.811%

APR

30-year VA Purchase

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6.321%

APR

30-year Fixed Rate Construction

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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

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Purchase 6.875% 6.961% 0.375 $300,000.00 $1,970.79
15-year Fixed Rate Purchase 5.990% 6.185% 0.750 $300,000.00 $2,529.95

Interest Rates Effective: 09/29/2022

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

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 6.990% 7.076% 0.375 $300,000.00 $1,993.89
15-year Fixed Rate Refinance 5.990% 6.223% 1.000 $300,000.00 $2,529.95

Interest Rates Effective: 09/29/2022

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

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Loan Term Interest Rate APR* Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year VA Purchase 6.750% 6.811% 0.250 $400,000 $2,594.39

Interest Rates Effective: 09/29/2022

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.

Construction Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Construction 6.250% 6.321% 0.250 $300,000 $1,847.15
15-year Fixed Rate Construction 5.875% 6.030% 0.500 $300,000 $2,511.36

Interest Rates Effective: 09/29/2022

Assumes a custom construction of an owner-occupied single-family residence with a loan amount of $300,000 based on a finished value of $400,000.  Loan terms include a 12-month construction period with interest only payments based on funds as they are used for construction.  Converts to a monthly fixed P&I payment at the end of the construction period.  APR *(Annual Percentage Rate) is based on loan amount and interest rate. Examples of monthly P & I 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.