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19015 North Creek Parkway, Suite 105 Bothell, WA 98011 Mobile (253) 820-2021 Tel (425) 363-4873 [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
Jenifer Hawkins
- Loan Officer
- Bothell, WA Mortgage Loan Officer
- NMLS #1133715
I’ll be with you every step of the way
Hi, I’m Jenifer. I started in the mortgage industry in 2013 after decades in customer service and couldn’t have found a more rewarding career. Now working from our Bothell, WA branch, I love guiding borrowers through the process, creating lasting relationships, and celebrating when my clients achieve their goals. It’s always an honor when someone chooses to work with me on their home loan!
As part of America’s #1 Retail Mortgage Lender, whether this is your first home, your next home, or a refinance, I’ll simplify the home financing for you. I’ll take the time to walk you through each step of the mortgage process, answer your questions, and keep you up to date on your loan’s status. When it comes to finding the right home financing, we’ll discuss your goals and priorities to find the product that fits your needs. I offer a wide range of loans, including conventional, jumbo, FHA, and VA.
Outside of work, I enjoy working in the garden, having fun with my farm animals, backpacking with friends, camping, and traveling.
Jenifer’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.