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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
Your Local CrossCountry Mortgage Loan Officer
David Spoiala
- Loan Officer
- Bothell, WA Mortgage Loan Officer
- NMLS #2683666
I’ll be with you every step of the way
Hello and Bună ziua! I’m David Spoiala, your local loan officer based in Bothell and proudly serving clients across the state of Washington. I’m also honored to work with the Romanian community and help guide families through one of the biggest financial decisions of their lives.
Buying a home or exploring financing can feel overwhelming. I understand how intimidating the process can seem at first. That’s why I focus on going beyond pre-approvals by helping you build a clear plan. Whether you’re ready to buy now, preparing for the future or trying to understand your options, we’ll take it step by step so nothing feels rushed or confusing.
Backed by America’s #1 Retail Mortgage Lender, I work with a wide range of loan programs and take the time to explain how each option fits into your bigger picture. My goal is for you to feel informed, confident and supported from our first conversation through closing and beyond.
Waiting until you’re ready? Let me show you what ready looks like.
David’s testimonials
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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.