NMLS 289557
Whether you’re buying your first home or your forever home, we’re here to assist! We offer a variety of options for purchasing, refinancing, investing, and specialty loans. Get in touch with us today and let’s make your move a reality!
I couldn’t recommend Cristi enough! She was extremely helpful and professional throughout the whole process. I was very glad I found her while shopping for lenders. She came up with ideas and solutions that nobody else did, and did a great job explaining all of the ins and outs in a digestible way. My home purchase wasn’t the easiest, with lots of hangups and edge case things and she was always on top of it, and always made time if I had an update or question. 10 out of 10 service and experience from this new homeowner!
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Whether you’re a first-time homebuyer, looking to trade up, or seeking to refinance, I am here to make your homeownership dreams a reality.
Contact me today to get started on your journey to a new home.
I'm licensed in:
WA, CA
I specialize in:
First Time & Move Up Buyers
Old School Contact Info
NMLS 2289557
Cristi’s philosophy is simple: Every client deserves a mortgage experience that is smooth, transparent, and tailored to their needs. She takes pride in building strong, lasting relationships and is always ready to go the extra mile to ensure her clients’ satisfaction. Whether you’re a first-time homebuyer, looking to move up, or seeking to refinance, Cristi Hughes is here to guide you every step of the way. Her story is one of passion, dedication, and a true commitment to making your homeownership dreams a reality. Contact Cristi today to start your journey towards a new home.
With over 30 unique investors and hundreds of loan options available, we can take you from dream to funded!
Imagine finding your dream home while everyone else is holiday shopping! With less competition and motivated sellers, this winter’s real estate market might be hiding the perfect opportunity for you. As we close out 2024, this market is shaping up to be particularly interesting for both buyers and sellers. Why
The holidays are around the corner, and like many homeowners, you might be dreaming of hosting family gatherings in a freshly renovated kitchen or finally upgrading those bathrooms before the in-laws arrive. But with credit card rates soaring, you’re probably wondering how to fund these projects without breaking the bank.
If you’re a homeowner with a mortgage, chances are you’ve already heard about refinancing. And if you’ve been keeping an eye on those mortgage rates lately, you might be wondering, “Is it time for me to refinance?” But when is it actually a good idea? Refinancing means replacing your
Understanding the Federal Reserve: What Homebuyers and Homeowners Need to Know If you’re a homebuyer or a homeowner considering refinancing, understanding the role of the Federal Reserve (the “Fed”) can provide valuable insights into the housing market and interest rates. The Fed is the central banking system of the United
$1,036 /mo
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If you plan to take out a mortgage loan to pay for your home, then you will be making a monthly house payment for the duration of the loan term unless you choose to sell. Understanding this number is a key aspect of figuring out how much house you can afford. There are many factors that will have an effect on the total monthly payment amount that you will be required to pay to own the home.
If you are unable to cover a 20% down payment on a conventional loan, then you will have to pay private mortgage insurance premiums in your monthly payment. Mortgage insurance protects lenders when they take on riskier borrowers. Since you were unable to cover a large enough down payment, the lender charges this extra fee for mortgage insurance as a safety net in case you default. This is not the same thing as homeowner’s insurance, but it is an additional cost in your monthly mortgage payment that needs to be accounted for. You can also expect to pay a monthly mortgage insurance premium or a similar monthly fee on USDA, FHA and VA loans.
Interest rates help determine the total cost of your mortgage loan. Some factors that affect the interest rate you will receive include your credit report, the current real estate market, and the type of loan. As mentioned before, how much of the monthly cost goes toward interest versus the principal can change. If you are borrowing money when the market favors buyers, you can lock in a lower interest rate with a fixed interest rate loan. If you choose an adjustable rate mortgage, your monthly interest rate may fluctuate based on the market, resulting in changing monthly mortgage payments. You could even opt for an interest-only loan where you only pay interest for a few years at the beginning, resulting in a smaller monthly mortgage payment.
There are other factors at play that can have an effect, such as the number of payments, closing costs (attorney fees, real estate agent fees, fees for private lenders, etc), loan type, and debt-to-income ratios.
Copyright © 2024 Dwell Mortgage LLC
For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
States We Lend In
Cool Stuff
Dwell Mortgage, LLC. Company NMLS # 2426506.
Licensed in WA (CL-2426506), OR (2426506), CA (60DBO-176964), CO (CL-2426506), UT (13178963), FL (MBR6421), ID (MBL-2082426506), TX (CL-2426506), AZ (CL-2426506)
Headquarters: 2817 Wetmore Ave, Everett, WA 98201. 800-605-1626.
Equal Housing Opportunity.
For licensing information, go to www.nmlsconsumeraccess.org
