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237 East Washington Street Sequim, WA 98382 Mobile (360) 477-1011 Tel (360) 477-1011 [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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- Down Payment Assistance
- FHA Loan
- Purchase
- Refinance
- Reverse Mortgage
Arthur Buhrer
- Branch Manager, Senior Loan Officer
- Sequim, WA Mortgage Loan Officer
- NMLS #114080
I’ll be with you every step of the way
Hello, I’m Arthur Buhrer. For over 18 years, I’ve been proudly serving Sequim, Port Angeles, Forks, Port Townsend, and beyond. At our small community mortgage office in Sequim, WA, our mission is to provide personalized, professional mortgage brokerage services to individuals and families. We’re committed to helping our clients navigate the complex world of mortgage lending, offering expert advice and guidance to make informed decisions about their home financing options.
We strive to be a trusted resource for our clients, offering competitive rates and personalized service to help achieve their homeownership goals. Our dedication to building strong, lasting relationships is at the core of everything we do. With the support of America’s #1 Retail Mortgage Lender, I look forward to being your go-to mortgage expert in the community.
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.