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4021 Harborview Drive Gig Harbor, WA 98332 Mobile (253) 651-3512 Tel (425) 484-2987 [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
Ben Bratrud
- Senior Loan Officer
- Gig Harbor, WA Mortgage Loan Officer
- NMLS #1463218
I’ll be with you every step of the way
Hi, I’m Ben. I’ve called Puyallup, Washington, home for 9 years and joined America’s #1 Retail Mortgage Lender in 2016 to make a difference. Helping people navigate the complexities of home financing and making getting a mortgage feel simple is my goal. I see real estate as the most consistent way to build generational wealth – and want to show you how you can get started.
When you work with me, expect clear communication, honesty, integrity, and a memorable mortgage experience. We’ll discuss the benefits and details of programs like conventional, FHA, VA, and USDA loans. I’ll always be available to answer your questions, and you’ll get frequent updates on your loan status, too. From application to closing and beyond, I’m excited to get to know you and be part of your and your family’s homeownership journey!
When I’m not working on loans, I love spending time with my four daughters and wife at the lake, swimming, fishing, and trying to get my daughters to play golf.
Ben’s testimonials
Guides and resources
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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.