The Keane Ng Team
Your Future Our Focus
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- Purchase
- Refinance
We’ll be with you every step of the way
As the Renton, WA branch of America’s #1 Retail Mortgage Program, our objective is to thoroughly understand your goals and challenges to build a custom plan with your ideal loan program. We strive to provide stellar communication, skilled expertise and education throughout the loan process. Keane and his team are all licensed loan officers with more than 80 years of combined industry experience.
Whether you are buying, refinancing, or renovating, we offer a wide range of loan programs to fit your goals. Conventional, VA, FHA, and USDA are just the start. Together, we’ll find the one to achieve your homeownership dreams.
Because we each have our own role, our team can help you with individual expertise – creating a home loan process that moves from milestone to milestone with ease. Trust us to give you an outstanding mortgage experience.
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Guides and resources
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
Keane’s testimonials
Meet our team
Keane Ng
- Regional Manager
- NMLS #115042
- 900 Harrington Ave NE
- Unit B
- Renton, WA 98056
Ryan Santos
- Loan Officer
- NMLS #1440982
- 900 Harrington Ave NE
- Unit B
- Renton, WA 98056
- [email protected]
- mobile 206-240-6578
- tel 206-401-5593
- fax 206-401-5594
Olga Marchenko
- Inside Loan Originator
- NMLS #175732
- 900 Harrington Ave NE
- Unit B
- Renton, WA 98056
Rebecca Torretta
- Outside Loan Originator
- NMLS #886946
- 900 Harrington Ave NE
- Unit B
- Renton, WA 98056
Our support staff
Kim Nguyen
Loan PartnerMy social posts
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.