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1448 NW Market St, 05-127 Seattle, WA 98107 Mobile (253) 632-5007 Tel (206) 204-8611 [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
- First-Time Homebuyers
- Purchase
- Refinance
Scott Sheridan
- Loan Officer
- Seattle, WA Mortgage Loan Officer
- NMLS #1360050
I’ll be with you every step of the way
Hi, I’m Scott, based in Seattle, WA. Teaching from experience is one of my biggest strengths as a loan officer. From buying my first condo using down payment assistance to managing an off-market deal on my single-family home, I draw from my experiences to help clients make sound decisions and fully understand the home financing process. With nearly a decade in the mortgage industry and seven years teaching homebuyer classes, I’m here to help you take the next step with confidence – whether it’s buying your first home or third.
I understand everyone’s situation is unique, and each home loan serves a different purpose in each person’s life. That’s why I’m here to guide you through each option, such as conventional, FHA, VA, and USDA loans, to find the right one for you. I’ll be by your side every step of the way to answer your questions and make your dream home a reality. As part of America’s #1 Retail Mortgage Lender, I look forward to working with you from application to closing and beyond!
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.
Scott’s testimonials
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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.