Welcome
Creative Mortgage Solutions a division of TMBG, Inc (CMS), is a locally owned mortgage company. Since 1992 here in Whatcom County, we have been creating real estate financing solutions for our customers.  We can say yes to bank turndowns every day! The four owners are two husband and wife teams who have been happily married for over 28 years each! Brenda & Bernie Bringhurst and Tom & Linda Mercadante bring extraordinary expertise and satisfying service to our life-long customers!

We believe that no rate is low enough if it doesn’t match your family's wealth building strategy. We also view mortgages as assets in view of the appreciating value of real-estate. Furthermore, we say the real purpose of credit is to build wealth! Using credit to acquire appreciating assets requires practice! We can help. So if you have real estate financing challenges, we have solutions. If you have dreams, we have the strategies. Come see us.         
       
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