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- Purchase
- Refinance
Stephania Rude
- Senior Loan Officer
- Bothell, WA Mortgage Loan Officer
- NMLS #2521976
Hello! My name is Stephanie. As a proud Pacific Northwest local, I’ve always believed that buying a home should be one of the most exciting — not overwhelming — milestones in life. That’s why I’ve built my career as a loan officer around one mission: making the process fun, simple and stress-free for my clients, especially first-time homebuyers.
I’m passionate about guiding people through their homebuying journey with clarity, confidence and a whole lot of support. Whether it’s breaking down numbers or cheering you on as you get those keys, I’m here for it all. With America’s #1 Retail Mortgage Lender behind you, the process doesn’t have to be confusing — it can actually be a great time.
When I’m not helping clients, you can find me enjoying life in the PNW, probably with a coffee in hand and a mini-Aussie by my side.
Stephania’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.