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601 W. 1st Avenue, Suite 1400 Office 1449 Spokane, WA 99201 Mobile (509) 991-1730 Tel (509) 530-2517 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Keith Leifer
America’s #1 Retail Mortgage Lender
Hi, I’m Keith, a loan officer at our Spokane, WA branch with America’s #1 Retail Mortgage Lender. With over 17 years of expertise in the mortgage industry, I’m well-versed in every aspect of home financing. I’ve worked with almost every kind of home loan to help clients achieve their dream of homeownership. We’ll meet one-on-one to discuss your goals and expectations, then explore a range of loan options, including conventional, FHA, VA, and USDA loans, to find the product that fits your plans.
I understand that getting a home loan can be stressful, and I’m here to guide you through the process with full support. My clients appreciate my prompt attention and open communication, and I’m available at any time of day to make sure your homebuying experience is a positive one. From application to closing and beyond, I’m excited to help you move forward in your journey home.
Guides and resources
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
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Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.