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The Collection

Elegant Living Redefined: Premier New Construction Project - Launching January 2024Welcome to a world where luxury and nature harmoniously blend to create an extraordinary living experience. Our upcoming new construction project, set to open its doors in January 2024, is not just a residence but a lifestyle statement.Key Features:Modern Architectural Marvel: Cutting-edge design with spacious layouts, offering a range of 2, 3, and 4-bedroom homes. Each home boasts high-end finishes, state-of-the-art appliances, and expansive windows for natural light.Exclusive Golf Course: A golfer's paradise! Enjoy access to our meticulously designed 18-hole championship golf course, set against a backdrop of breathtaking landscapes.Tranquil Lakes and Parks: Serenity awaits in our scenic parks and around the pristine lakes, perfect for morning jogs, evening strolls, or weekend picnics with family and friends.Vibrant Community Life: A strong sense of community is at the heart of our project. Our Homeowners' Association (HOA) organizes regular events, workshops, and get-togethers, fostering a close-knit neighborhood spirit.Premium Amenities: Dive into our resort-style swimming pools, stay fit in the fully equipped fitness centers, and unwind in the luxurious spa and wellness center.Eco-Friendly and Sustainable: Committed to sustainability, our project features energy-efficient systems, green spaces, and eco-friendly practices.Strategic Location: Situated in a prime location, the community is close to top schools and shopping centers and has easy access to major transportation routes.Invest in More than a Home:Invest in a lifestyle that offers luxury, comfort, and community. Whether you're a golf enthusiast, nature lover, or seeking a vibrant community life, our project is designed to cater to all your needs. With limited units available, seize the opportunity to join this exclusive community.Contact Us: http://www.HumphreyMortgageTeam.comFor more information and to register your interest, please contact us at [contact information]. Be among the first to experience unparalleled living in our premier new construction project.

The Crossing

Elegant Living Redefined: Premier New Construction Project - Launching January 2024Welcome to a world where luxury and nature harmoniously blend to create an extraordinary living experience. Our upcoming new construction project, set to open its doors in January 2024, is not just a residence but a lifestyle statement.Key Features:Modern Architectural Marvel: Cutting-edge design with spacious layouts, offering a range of 2, 3, and 4-bedroom homes. Each home boasts high-end finishes, state-of-the-art appliances, and expansive windows for natural light.Exclusive Golf Course: A golfer's paradise! Enjoy access to our meticulously designed 18-hole championship golf course, set against a backdrop of breathtaking landscapes.Tranquil Lakes and Parks: Serenity awaits in our scenic parks and around the pristine lakes, perfect for morning jogs, evening strolls, or weekend picnics with family and friends.Vibrant Community Life: A strong sense of community is at the heart of our project. Our Homeowners' Association (HOA) organizes regular events, workshops, and get-togethers, fostering a close-knit neighborhood spirit.Premium Amenities: Dive into our resort-style swimming pools, stay fit in the fully equipped fitness centers, and unwind in the luxurious spa and wellness center.Eco-Friendly and Sustainable: Committed to sustainability, our project features energy-efficient systems, green spaces, and eco-friendly practices.Strategic Location: Situated in a prime location, the community is close to top schools and shopping centers and has easy access to major transportation routes.Invest in More than a Home:Invest in a lifestyle that offers luxury, comfort, and community. Whether you're a golf enthusiast, nature lover, or seeking a vibrant community life, our project is designed to cater to all your needs. With limited units available, seize the opportunity to join this exclusive community.Contact Us: http://www.HumphreyMortgageTeam.comFor more information and to register your interest, please contact us at [contact information]. Be among the first to experience unparalleled living in our premier new construction project.

The Commons

Elegant Living Redefined: Premier New Construction Project - Launching January 2024Welcome to a world where luxury and nature harmoniously blend to create an extraordinary living experience. Our upcoming new construction project, set to open its doors in January 2024, is not just a residence but a lifestyle statement.Key Features:Modern Architectural Marvel: Cutting-edge design with spacious layouts, offering a range of 2, 3, and 4-bedroom homes. Each home boasts high-end finishes, state-of-the-art appliances, and expansive windows for natural light.Exclusive Golf Course: A golfer's paradise! Enjoy access to our meticulously designed 18-hole championship golf course, set against a backdrop of breathtaking landscapes.Tranquil Lakes and Parks: Serenity awaits in our scenic parks and around the pristine lakes, perfect for morning jogs, evening strolls, or weekend picnics with family and friends.Vibrant Community Life: A strong sense of community is at the heart of our project. Our Homeowners' Association (HOA) organizes regular events, workshops, and get-togethers, fostering a close-knit neighborhood spirit.Premium Amenities: Dive into our resort-style swimming pools, stay fit in the fully equipped fitness centers, and unwind in the luxurious spa and wellness center.Eco-Friendly and Sustainable: Committed to sustainability, our project features energy-efficient systems, green spaces, and eco-friendly practices.Strategic Location: Situated in a prime location, the community is close to top schools and shopping centers and has easy access to major transportation routes.Invest in More than a Home:Invest in a lifestyle that offers luxury, comfort, and community. Whether you're a golf enthusiast, nature lover, or seeking a vibrant community life, our project is designed to cater to all your needs. With limited units available, seize the opportunity to join this exclusive community.Contact Us: http://www.HumphreyMortgageTeam.comFor more information and to register your interest, please contact us at [contact information]. Be among the first to experience unparalleled living in our premier new construction project.

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322 N 134th ST #203

*Affordable Lakefront Living on Bitter Lake*Discover one of North Seattle’s most peaceful pockets, tucked just far enough from the bustle to feel serene, yet close enough to reach everything you need within minutes. Bitter Lake has long been considered one of the city’s most underrated neighborhoods, offering a rare combination of nature, convenience, and community. Tree lined streets, parks, and a friendly residential feel make this area a quiet retreat in the middle of the city.This inviting 2BD and 1.5BA end unit welcomes you with beautiful lake views from the moment you enter. The grounds feel like a private park with expansive lawns, native landscaping, and a calm setting that invites you to slow down. Residents enjoy access to a private dock for swimming, kayaking, paddle boarding, or an easy afternoon of fishing.Inside, you will find new flooring and carpet, fresh paint, a spacious primary bedroom with attached half bath, and a versatile second bedroom. This is also one of the few homes in the community with its own in unit washer and dryer. A large covered deck extends your living space and provides an uninterrupted view across the lake.The home offers both a convenient outdoor entrance and access to the secure main building with an elevator, mail room, storage area, and a resident library. This is an estate sale and an opportunity that rarely comes to market.The location puts you minutes from transit, the future light rail station, local shops, and I 5 for an easy commute in every direction.A must see view unit in one of Seattle’s best kept secret neighborhoods.

8109 130th PL SE #59

**Final home available with $50,000 in buyer incentives**Brasswood by Conner Homes sits above the Snohomish River Valley with sweeping views of farmland and mountain ranges. This location offers quick access to Highway 9 and easy connections to Highway 522 and I 405.Step inside to a light filled open living space with oversized windows and an inviting layout. The gourmet kitchen features a Bertazzoni Italian oven with a five burner range, quartz counters, and stylish finishes that elevate everyday living. Engineered hardwood flooring carries through the main level and adds a high end feel.The daylight basement expands your living options and adds brightness throughout the home. The dream worthy primary suite includes a walk in closet and a luxurious five piece bath. Secondary bedrooms are spacious and comfortable.Enjoy an outdoor patio and upper deck that look out over the valley. A gas barbecue stub is already in place for easy entertaining. The home includes smart home technology, air conditioning, artificial turf, a sprinkler system, and a security system. A two car garage completes the package.Summary of 8109 130th Pl SE Number 59Light filled open living area with large windows.Gourmet kitchen with Bertazzoni Italian oven and quartz counters.Daylight basement and engineered hardwood on the main level.Primary suite with walk in closet and a five piece bath.Outdoor patio and deck with gas barbecue stub and scenic views.Smart home features with security system and air conditioning included.

5207 69th Drive NE

**Scroll down on Mobile for additional details**Welcome to 5207 69th Drive NE, where every window frames a postcard view and every room invites you to stay a little longer.Perched gracefully on a sun-drenched corner lot in one of Marysville’s most desirable pockets, this beautifully updated 4-bedroom, 2.5-bath residence offers approximately 2,400 square feet of thoughtfully designed living space. The home has been refreshed from top to bottom with brand-new flooring throughout, setting a tone of modern comfort the moment you step inside.The main level unfolds in a natural flow — a welcoming foyer leads to a formal dining room perfect for holidays and celebrations, and an open-concept living area anchored by a cozy fireplace where evening light filters through generous windows. The granite kitchen serves as the heart of the home, combining function and style with abundant counter space, rich cabinetry, and clear sightlines for easy entertaining.Step through sliding doors to the expansive Trex deck patio, where the property’s true magic comes alive. From here, the sweeping territorial views of the estuary and the Olympic Mountains unfold before you — an ever-changing landscape of color and light. The fully fenced backyard provides ample room for gatherings, play, and peaceful evenings spent watching the sunset paint the sky.Upstairs, the spacious primary suite feels like a retreat all its own. Wake up to panoramic views, unwind in the luxurious five-piece bath featuring a jetted soaking tub, and enjoy the generous walk-in closet that completes the suite. Three additional bedrooms offer flexibility — each comfortably sized, and two with their own walk-in closets, perfect for guests, family, or home office setups.Every corner of this home has been designed for comfort, space, and connection — a perfect blend of elegance and everyday livability. With its corner lot vantage point, newly refreshed interiors, and the assurance of a pre-inspection already completed, this property delivers both peace of mind and undeniable appeal.5207 69th Drive NE isn’t just a home — it’s a vantage point from which to enjoy the very best of Pacific Northwest living. Come see the light, the space, and the view for yourself.

940 Hoppy Trail Way

**Scroll down on Mobile for additional details**Welcome to your Camano Island escape — where life expands as far as the eye can see. Tucked at the end of a quiet lane on five private acres, this property blends modern farmhouse charm with serious workspace muscle — over 4,000 square feet of shop space ready for your business, your passions, or your imagination.Bring your RVs, boats, tools, car collection — even that pet giraffe you’ve been joking about. There’s room for everything here, and then some.The fully renovated 3-bedroom, 3-bath home is a showcase of fresh design and thoughtful detail. Step inside to wide-open living spaces washed in natural light. A brand-new chef’s kitchen anchors the home with quartz counters, modern cabinetry, and stylish fixtures. New flooring, trim, paint, and designer lighting carry the modern farmhouse aesthetic throughout.Retreat to the serene primary suite or unwind in the spa-style baths, each reimagined from the studs up. A custom dog-wash station and large mud/laundry room make daily life both beautiful and practical.Outside, the property opens to peaceful bluff views, gentle breezes, and the kind of stillness that only comes from true privacy. The massive shops are a world of their own — ideal for contractors, creators, collectors, and anyone dreaming of space to build, craft, or simply spread out.Whether you’re chasing quiet mornings, creative projects, or a place to park everything you love, 940 Hoppy Trail Way is where it all comes together — modern living meets country freedom, with a workshop big enough to hold your biggest ideas.

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Don’t be Suck in a 3% rate

Don’t Be Stuck in a 3% RateHow Smart Homeowners Are Moving Up Without Blowing Up Their BudgetFor thousands of homeowners, the “golden handcuffs” of a 3% mortgage rate have created an unexpected problem:you’ve built massive equity in your home — but feel trapped by your low rate.The truth? Staying put might actually be costing you more than moving up.That’s where the Equity Transition Plan comes in. It’s a modern mortgage strategy that helps you unlock the full power of your home equity — not just to buy your next home, but to strengthen your entire financial picture.What Is an Equity Transition Plan?The Equity Transition Plan is a simple, three-step approach designed for move-up buyers who are equity-rich but rate-locked:Sell your current home to unlock your equity.Pay off high-interest consumer debt — credit cards, car loans, or student loans that quietly drain monthly cash flow.Buy your next home using the remaining equity as your down payment — with a cleaner, stronger financial base.This strategy allows you to offset higher mortgage rates by eliminating expensive short-term debt. The result?Your total monthly household payment often stays surprisingly close to what you’re paying now — even as you move into a larger, better-suited home.Real-World ExampleWhen the Johnson family sold their $500,000 home, they walked away with about $220,000 in equity.Instead of rolling it all into their next down payment, they used $40,000 to pay off credit cards and a car loan, freeing up nearly $900 a month.Then they purchased their $750,000 dream home using the remaining $180,000 as a down payment.Their total monthly payment increased by only $175 — while improving their lifestyle, location, and long-term wealth position.Why It WorksMost homeowners focus only on the mortgage rate.But true financial freedom comes from managing total household cash flow — not just the rate on one loan.By reallocating your equity strategically, you can:Reduce overall monthly obligationsImprove your debt-to-income ratioIncrease approval confidence on your next purchaseStrengthen your long-term wealth positionThe Equity Transition Plan isn’t about refinancing into a worse rate — it’s about using what you already own to move forward smarter.

2024 Fall Buyer’s Guide

As mortgage interest rates march lower over the next couple of months, more buyers will renew their consideration to make a move.

Reviews

"Tim, Cassie, and the team at Neo Home loans provided the most exception loan process we have ever experienced (and this was our 4th time around). Tim educated us, was transparent, and celebrated milestones along the way. It felt fun and exciting, which helped lessen the dreaded paperwork pain! I'd recommend NEO in a heartbeat to anyone in the home buying process. I'll miss Tim's weekly videos, gifs, and texts thag kept us informed and smiling. What a truly stellar team. Thank You!!!"

rita d

"I believe that anyone looking for expert guidance coupled with genuine kindness will find that working with this team exceeds all expectations. I cannot honestly imagine a better option for a great outcome."

christine a

"Tim and Cassie and Joey and everyone else who helped with my home buying process were so kind, knowledge and patient. They all spoke to me as a friend would and it made my first time buying a home so much more pleasant. I'm excited to be a person who has a mortgage team that I can't wait to recommend to friends and strangers!"

antonia sofia a

"Customer service was exceptional and the tools (online platform, videos, spreadsheets, etc.) provided for us to make educated decisions in a timely manner were very helpful."

chris n

"Great communication and attention to detail"

sally h

"Tim has been an absolute star of the show throughout this whole process. He is so communicative, thorough, knowledgeable and everything wonderful that you look for in not only a loan officer but just a really great human being. My wife & I have greatly enjoyed working with Tim through the ups and downs and is always a pleasure to work with. He is the most competent person for the job. A++++++++++++++ and beyond."

skyler s

"Tim Humphrey went above and beyond to help us during our loan process! We are very grateful to him giving us an amazing experience through the entire process!!"

eden w

"morF the beginning, they were very professional and they've been working with me every step of the way I would definitely recommend them to anybody that ask and even if they don't ask at this is the people that I want to work with if I have to do this again"

daniel m

"Closing on our home with Neo Home Loans has been refreshing. They made the lending process transparent and easy to understand. Their team will go above and beyond for you and are available when you need them. Thank you for making this process smooth and convenient for us!"

timofey k