-
21 Bellwether Way, Suite 103/104 Bellingham, WA 98225 Mobile (360) 255-8451 Tel (360) 535-7983 [email protected]
-
- 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
-
- Purchase
- Refinance
Rachel Patrick
- Sr. Loan Officer
- Bellingham, WA Mortgage Loan Officer
- NMLS #1539550
I’ll be with you every step of the way
Hi, my name is Rachel, and I’m lucky enough to confidently say I love my job! I’ve been helping people achieve their goals with my Bellingham, WA, team for years, and I couldn’t imagine doing anything else. I enjoy the personal and professional relationships I develop while guiding my clients through one of the biggest financial decisions of their lives. Whether you’re buying your dream home, ready to build yours from the ground up, or looking to refinance, America’s #1 Retail Mortgage Lender is here to help.
As your trustworthy loan officer, I’m proud to offer a variety of programs, from conventional and FHA to VA and USDA loans, to help you accomplish your homeownership dreams. We’ll consider your goals and find the right home loan for you. If you have any questions as your loan makes its way to closing, I’d be happy to answer them at any time of day. Developing strong relationships with my customers is the foundation of success in every homebuying journey – and I can’t wait to be part of yours.
Rachel’s testimonials
Guides and resources
My social posts
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.
Inspiration for your home loan journey
Frequently asked questions
-
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.
-
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.
-
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.
-
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.
-
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.