Free Resources

Mortgage University

Watch videos to help you navigate through the process of buying a home or refinancing. 

First Time Home Buyers

Buying a home can be stressful. When looking to find the right fit you will get lots of opinions and “everyone” is an expert. 

When working with Shane and his team you can expect an upfront, transparent approach. We are a fully salaried, non commissioned team of home loan experts who’s only job is to get YOU into the home of your dreams. On time, Every Time.

Loan Options:

  • 0% Down USDA Loan (Specifc Areas Only)
  • 0% Down VA Loan (Veterans and Spouses)
  • 3% Down Conventional Loan (Can be gifts)
  • 3.5% Down FHA Loan
  • 4% WA State Down Payment Assistance
    • Can be used in conjunction with…
      • USDA
      • VA
      • FHA
      • Conventional

Borrowing Power

Borrow up to 57% of your debt to income. This means how much you make vs. how much you owe each month.

Speed to Close

Close in as little as 10 business days! Average closing expectation is 30 days or less. 

*Call for exceptions 

Minimum Credit Score

The minimum credit score a typical borrower will need to have is as low as 580.

*Call for exceptions 

Minimum Down Payment

Purchase with as little as 0% down. In many cases the funds can be gifted. 

*Call for exceptions

Client Toolbox

Get Our Pre-Approval Checklist

Learn what is needed to get from “what do I do” to pre-approved!

Get Our Guide to Buying
A Condo

What do you need to know, and how do you find the right condo?

Get Our FAQ's On Arm Loans vs. Fixed Loans

What is the difference between an Arm and a Fixed Loan & why does it matter?

Get Our Guide to Financial Hardships

When can you buy after a hardship and things to keep in mind.

Want to Buy a Fixer Upper?

Get our guide to all things renovation loan. We have several options to fit any project!

Get Our Escrow & Prepaids Explanation

What the heck is an escrow account and who is title? Find out here!

Get Our Document

Know what documents you need and the ones you

Get Our Guide to Private Mortgage Insurance

What is Mortgage Insurance and what type is best for you?


Shane Kidwell | Area/Regional Manager | NMLS 200950​ | 2707 Colby Avenue Suite 1212, Everett WA 98201

NMLS      |      FAIR LENDER      |      FAIR HOUSING

Equal Housing Opportunity | DAS Acquisition Company, LLC.  Company NMLS: 227262.  AZ – 1001043Not a commitment to lend. Additional terms and conditions apply.
Missouri 63141. Licensed under the Oregon Consumer Finance Act. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Finance Lenders Law License. CA-DBO200950 Toll Free: (888) 250-6522. Not a commitment to lend.  Additional terms and conditions apply.  DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. Headquarters: 12140 Woodcrest Executive Drive, Suite 150, St. Louis, Missouri 63141, Toll Free: (888) 250-6522. For licensing information, go to:

Copyright © 2020 Dwell Mortgage 

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