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1448 NW Market St, 05-127 Seattle, WA 98107 Mobile (425) 445-4605 Tel (206) 279-4786 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Jacob Gai
- Mortgage Loan Originator
- Seattle, WA Mortgage Loan Officer
- NMLS #2689591
I’ll be with you every step of the way
Hello! My name is Jacob. It brings me joy to help people achieve the American dream of owning a home. With our Seattle, WA team, I’m proud to offer the expertise and resources of America’s #1 Retail Mortgage Lender to make that happen.
No matter if this is your first mortgage or ninth, you are my priority. I’ll start by consulting with you about your goals and showing you how we can achieve them. We’ll discuss the steps between applying for financing and closing your loan. I’ll provide updates on your loan status, and we’ll walk together every step of the way.
Whether you want to buy your first home, next home or use your home equity, I offer a variety of loan solutions. From conventional and down payment assistance to VA, FHA and reverse mortgages, we’ll find the right one to fit your plans.
On a personal note, I love spending time with my family, especially my five nieces and nephews. I enjoy boating, cheering local sports teams, watching international soccer and snowboarding.
Jacob’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.