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19015 North Creek Parkway, Suite 105 Bothell, WA 98011 Mobile (206) 334-5940 Tel (806) 642-6428 [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
Wendy Hartfelder
I’ll be with you every step of the way
Hi, I’m Wendy, and my clients are the heart of my business! Buying a new home is a significant milestone, and I’m truly honored to be part of your home-buying journey. I understand that navigating home financing can feel overwhelming, but I’m here to guide you with compassion and clarity, ensuring a smooth and seamless experience.
While I’m personally licensed in WA, TX, OR, and AZ, our team at CCM lends in all 50 states, making us ready to assist with any of your real estate financing needs.
Whether you’re purchasing your first home, upgrading to your next, or refinancing, my goal is to make your mortgage process a positive and rewarding experience. I’ll take the time to understand your goals and priorities, walk you through every step of the financing process, and keep you informed on your loan’s progress. Together, we’ll explore a variety of loan options—including conventional, jumbo, FHA, and VA—to find the perfect fit for your unique plans.
From our first conversation to closing day, I’m committed to providing you with an exceptional mortgage experience through America’s #1 Retail Mortgage Lender. Let’s make your homeownership dreams a reality!
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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
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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.