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601 W. 1st Avenue, Suite 1400 Office 1449 Spokane, WA 99201 Mobile (206) 369-6766 Tel (425) 300-1047 [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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- Purchase
- Refinance
Caroline Jaffe
- Sr. Loan Officer
- Spokane, WA Mortgage Loan Officer
- NMLS #307937
I’ll be with you every step of the way
Hi, I’m Caroline! I started in home financing in January 2003, working as my husband Steve’s assistant. I quickly realized how rewarding it is to help a first-time homebuyer purchase their first home, assist a client with refinancing to save money, or make a person’s dream vacation home or investment property a reality! No matter the loan, it’s an honor to be a part of my clients’ lives.
I give 150% to every client. I’m a hands-on originator who will be fully engaged with your mortgage from our first conversation to closing and beyond. We’ll discuss your goals to make sure the financing you’re receiving matches your specific situation. I’ll answer your questions and be by your side every step of the way.
My excitement for helping clients is evident when I talk with them. I know the mortgage process can be stressful and time-consuming, so I will work to give you a smooth home loan experience. As a part of the Spokane, WA branch of America’s #1 Retail Mortgage Lender, I can’t wait to make your mortgage a win.
Caroline’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.