Business Details
Your Trusted Mortgage Broker in Gig Harbor, WA
We are independent mortgage brokers dedicated to delivering professional service with personalized care. Our expertise spans home purchase loans, refinancing, cash-out refinancing, debt consolidation, jumbo loans, and government-backed programs like FHA, VA, and USDA loans. We serve clients across Washington, including Tacoma, Gig Harbor, Bremerton, and the counties of Pierce, Kitsap, King, and Snohomish. With a focus on building lasting relationships, we prioritize understanding each client's unique financial situation to identify the optimal loan solutions. Our team combines local market knowledge with access to diverse lending options, ensuring tailored guidance for first-time buyers, seasoned homeowners, and everyone in between.We emphasize transparency throughout the mortgage process, from pre-approval to closing, while providing ongoing support for long-term financial goals. Our commitment to excellence is reflected in our dedication to staying current with evolving loan programs and regulatory standards. By leveraging technology and maintaining a client-centric approach, we streamline the home financing experience while preserving the value of personalized service. Our ultimate mission is to empower clients to achieve homeownership with confidence and financial clarity.
Services
Home Purchase Loans
Home Refinance Loans
VA Loans
FHA Loans
Debt Consolidation
Details
- Year established: 2025
Highlights and features
- We offer local expertise in Washington's regional loan programs.
- Our brokers provide access to diverse mortgage options beyond single-institution limits.
- We specialize in pre-approval processes that streamline home buying.
- Our team stays current with evolving loan programs and regulatory standards.
- We prioritize transparent communication throughout the mortgage lifecycle.
Associations and certifications
- NMLS
Services
Home Purchase Loans
We specialize in home purchase loans tailored to first-time buyers and experienced homeowners. Our process includes pre-approval guidance, loan program comparisons, and closing support. Clients benefit from our local market expertise and access to competitive rates across conventional and government-backed programs.
Home Refinance Loans
Our refinance solutions help clients lower monthly payments, reduce interest rates, or access home equity. We evaluate current loan terms against market conditions to determine optimal refinancing opportunities, including cash-out options for home improvements or debt consolidation.
VA Loans
We provide VA loan expertise for eligible veterans and service members, offering zero-down-payment options and favorable terms. Our team guides clients through VA-specific requirements, ensuring they maximize benefits like no PMI and flexible credit standards.
FHA Loans
FHA loans are available for clients seeking low-down-payment options with lenient credit requirements. We assist borrowers in navigating FHA guidelines, including minimum property standards and mortgage insurance considerations, to achieve affordable homeownership.
Debt Consolidation
Our debt consolidation service leverages home equity to simplify financial obligations. By combining high-interest debts into a single mortgage payment, clients can reduce overall interest costs while improving cash flow through structured repayment terms.
People
A. Neal Eifling
Loan Officer
With over two decades of mortgage industry experience, Neal Eifling specializes in guiding clients through complex loan scenarios. His expertise includes VA and jumbo loans, with a focus on personalized solutions for Washington residents.
Joshua Hardwick
Loan Officer
Joshua Hardwick brings extensive knowledge of local housing markets and evolving loan programs. He focuses on educating clients about mortgage options while providing strategic advice for improving creditworthiness and financial readiness.
Questions
What is a VA loan and who qualifies?
VA loans are mortgage options for veterans, active-duty service members, and eligible spouses. They offer zero down payments and competitive rates. Our team verifies eligibility based on service requirements and guides clients through the application process.
How do I start the mortgage process?
Begin with a pre-approval consultation to assess your financial situation. We'll review income, credit history, and debt-to-income ratio to determine loan eligibility and budget-friendly home price ranges.
Why is credit score important for mortgages?
Credit scores impact loan approval, interest rates, and down payment requirements. We help clients understand their credit profiles and implement strategies to improve scores before applying for mortgages.
What are the benefits of refinancing?
Refinancing can lower monthly payments, reduce interest rates, eliminate PMI, or provide cash for home improvements. We analyze current loans against market conditions to determine if refinancing aligns with your financial goals.
What documents are needed for a mortgage application?
Standard documentation includes pay stubs, tax returns, bank statements, and identification. Our digital platform automates verification processes to streamline submissions while ensuring compliance with lending regulations.
Do I need 20% down to buy a home?
No. Many programs allow lower down payments, including FHA loans (3.5%) and VA loans (0%). We explain program-specific requirements and help clients choose down payment options that match their financial situations.
Reviews (4)
Rahul Kulkarni
Jul 26, 2021
Report
This was our first house purchase. We had zero knowledge on the financial aspects of the whole house buying process.
Neal was accommodative of this fact and very patiently explained each and every financial term. This really helped us kickstart our own research and gain knowledge about the whole process. He was very knowledgable and was easy to understand. His constant guidance and feedback helped us lock in our rates for the house. We really appreciate him following up regularly and keeping us informed regarding the timelines.
Overall, it has been a wonderful experience consulting Neal.
Neal was accommodative of this fact and very patiently explained each and every financial term. This really helped us kickstart our own research and gain knowledge about the whole process. He was very knowledgable and was easy to understand. His constant guidance and feedback helped us lock in our rates for the house. We really appreciate him following up regularly and keeping us informed regarding the timelines.
Overall, it has been a wonderful experience consulting Neal.
Constance Roderick
Oct 27, 2018
Report
Great Service from Mr. Joshua Hardwick excellent to the point facts that proved beneficial in the long run. Great to get financial advise along with the purchase of a new home. Only issue is more with the underwriter used. Considering there are many military bases in the area I found it hard to understand how there seemed to be very little knowledge of how DOD civilians are paid or how time in service is configured . Wasted a lot of frustration explaining, justifying employment within the Department of Defense changes address and departments without a break in employment time.
Savuth Pich
Sep 02, 2018
Report
Very friendly and knowledgeable and overall great customer service! We bought our first home. We highly recommend Neal Eifling - Best Way Lending.
Mary Mason
Aug 05, 2018
Report
Thank you Joshua Hardwick! You were so helpful, walking our kids through each step of the process as they purchased their first home. As we moved them in to their home last weekend, they shared how much they appreciated you for the time you took to educate them through the purchasing process. Mary :-)
