NMLS 2532232 & NMLS 1128630
With over two decades of combined experience, Gabbie Clark & Jackie Sheheen (The Jackie & Gabbie Mortgage Team at Dwell Mortgage) specializes in guiding first-time homebuyers all the way to reverse mortgage clients. We’re dedicated to making the mortgage process smooth and personal, treating every client like family. Let us help you achieve your homeownership dreams with expertise and care.
Gabbie and Jackie were awesome. They were quick, efficient, and compassionate. Both of them acted like I was their only customer and even shot the breeze with me a few times. My wife and I have both been through many home loan processes in our lifetime and they are always a nightmare. This one was the easiest, smoothest, and most pleasant one ever thanks to Gabbie and Jackie. This one also was likely the most complex situation too and Gabbie/Jackie (along with our awesome Windermere agent Greg Byrum) made it happen. They all worked together. What a team! I won’t ever use anyone else ever again!
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Whether you’re a first-time homebuyer, looking to trade up, or seeking to refinance, We are here to make your homeownership dreams a reality.
Contact Gabbie today to get started on your journey to a new home.
I'm licensed in:
WA
I specialize in:
First Time & Move Up Buyers
Old School Contact Info
NMLS 2532232
Our philosophy is simple: Every client deserves a mortgage experience that is smooth, transparent, and tailored to their needs. We take pride in building strong, lasting relationships and is always ready to go the extra mile to ensure our clients’ satisfaction. Whether you’re a first-time homebuyer, looking to move up, or seeking to refinance, we are here to guide you every step of the way. Our story is one of passion, dedication, and a true commitment to making your homeownership dreams a reality. Contact us 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!
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
Washington Housing Market Update: July 2024 Insights The Washington housing market has seen notable developments over the past two weeks. From fluctuating interest rates to changes in inventory levels, these trends are crucial for homebuyers, sellers, and referral partners to understand. This post will provide a comprehensive overview of the
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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
