-
1448 NW Market St, 05-127 Seattle, WA 98107 Mobile (425) 478-0961 Tel (206) 489-2665 [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
Kyle Bergquist
- Originating Branch Manager
- Seattle, WA Mortgage Loan Officer
- NMLS #918621
I’ll be with you every step of the way
Hi, I’m Kyle, based in Seattle, WA. Born and raised in Seattle, I write weekly economic updates on the latest mortgage and real estate market news impacting buyers and sellers alike. My expertise has earned me many top producer awards – including Scotsman Guide’s Top Originator rankings – and the distinguished 40 Under 40 Puget Sound Business Journal award in 2021.
Leveraging my knowledge and experience, my team and I will craft a plan to achieve your homeownership goals. We’ll start by diving into CrossCountry Mortgage’s collection of programs, such as conventional, FHA, VA, USDA, and jumbo loans, to find the right home loan for you. With decades of experience in the Puget Sound housing market, we’re your go-to experts for navigating the complexities of the mortgage process. As part of America’s #1 Retail Mortgage Lender, we’re dedicated to helping you reach your homeownership destination as safely and smoothly as possible. Now, let’s put those keys to your dream home in your hand!
Kyle’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.