-
301 Commercial Avenue, Suite 301 Anacortes, WA 98221 Mobile (360) 661-2161 Tel (360) 255-5616 [email protected]
-
- 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
-
- Purchase
- Refinance
Jeff Dowrey
I’ll be with you every step of the way
Hi, I’m Jeff, a dedicated loan officer at our Anacortes, WA branch. Purchasing or refinancing a home is one of the biggest financial decisions you’ll ever make, and I’m committed to personally guiding you through each stage of the mortgage process. With 18 years of housing and mortgage experience, I have the knowledge and dedication to provide financing options fit for you.
Before home financing, I worked in real estate as an agent and managing broker. This experience gave me a holistic view of the homebuying process and an understanding of the service needed to get the job done.
I offer a wide range of loans while making the process easy, including:
- Conventional mortgages
- Jumbo loans
- FHA loans
- VA home loans
- No down payment options
- Rehab and renovation programs
- One-time-close construction loans
From application to closing, I look forward to assisting you with one of life’s most important financial decisions at America’s #1 Retail Mortgage Lender.
Jeff’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.