HUD 184 Resource Center-CrossCountry Mortgage

HUD 184 Resource Center-CrossCountry Mortgage 🏘️ Sr.

Loan Officer & Tribal Lending Specialist
📓 NMLS244676 NMLS3029
📲 253.255.5941
📧 [email protected]
📍 Licensed in AZ, ID, MT, NV, OR & WA
Equal Housing Opportunity
NmlsConsumerAccess.org

Happy Labor Day! Markets are closed today, so the economic reports that matter for mortgage rates all land at the end of...
09/07/2026

Happy Labor Day! Markets are closed today, so the economic reports that matter for mortgage rates all land at the end of the week.

Thursday - August Producer Price Index
Friday - August Consumer Price Index and consumer sentiment

Here's why Friday is the one to watch. The Fed meets September 15-16, and Governor Waller said last week he'd support holding rates steady unless inflation comes in hot. Friday's CPI is the final inflation read before that meeting, so stay tuned!

The August jobs report was much stronger than expected, and rates barely moved. That tells me the bond market is holding its breath for CPI too.

For buyers, the better news is inventory. New listings nationally are at a four-year high! If you've been waiting on the sidelines with a VA, FHA, USDA or HUD 184 loan in mind, more homes on the market means more room to find the right one at the right price. Message me and we'll talk through your options.

Consider this your official permission slip to do absolutely nothing but take naps, relax, and recharge this Labor Day w...
09/06/2026

Consider this your official permission slip to do absolutely nothing but take naps, relax, and recharge this Labor Day weekend!

Clients and agent partners: I'll be here if you want to chat about homes, loans, the weather...☺️

📲 Call/text 253.255.5941

🏡 First home. First set of keys. Such a great milestone!So excited for my client who just closed on a great starter home...
09/04/2026

🏡 First home. First set of keys. Such a great milestone!

So excited for my client who just closed on a great starter home in the Seattle area! There’s something pretty special about helping a first-time buyer navigate the process and get to that finish line.

Congratulations on officially becoming a homeowner! 🔑🎉 I loved being a part of this one!

If you've been saving hard for a down payment, first of all: that's the hard part, and you're doing it. 👏 Here's one mor...
09/04/2026

If you've been saving hard for a down payment, first of all: that's the hard part, and you're doing it. 👏 Here's one more number worth knowing while you're at it: it's your cash to close. That's the amount you'll actually wire on closing day.

Here's everything that goes into it:
✔️ Your down payment
✔️ Your closing costs
✔️ The property taxes and homeowners insurance you pay ahead of time
✔️ The money that sets up your escrow account

Then your earnest money and any credits you negotiated with the seller come back off the top.

So it's your down payment, plus a handful of things, minus a couple of others. Totally knowable, just rarely mentioned until you're already three days out from signing, which is a stressful time to meet a new number!

I'd love for you to have yours early. Like, before you're out touring on a Saturday early, so you can shop with the real figure in your head. 💪

Send me a DM and I'll put your estimate together. No obligation, and honestly it's one of my favorite things to help with.

Save this for the week you go under contract!

Agent friends: after 25+ years in this industry, I know your reputation rides on every referral you make. 🤝 That's a res...
09/03/2026

Agent friends: after 25+ years in this industry, I know your reputation rides on every referral you make. 🤝 That's a responsibility I take seriously.

When you partner with me, your clients get honest guidance, clear communication, and access to programs many lenders don't touch - VA, USDA, FHA, HUD 184, renovation loans, and down payment assistance. More options for your clients means more closed deals for you!

Let's chat and talk about how I can support your business.

📍 Licensed in AZ, ID, MT, NV, OR & WA

09/01/2026

34 families served across multiple states in August! 🔑

That's 32 purchases, 1 cash-out refinance, and 1 rate-and-term refinance. The loan mix tells a great story about what's happening in the market: 7 of those purchases were VA loans and 9 were FHA...and nearly all of our August buyers got their closing costs covered by the seller of the home.

I've been doing this since 1999, and the paperwork has never been the point. It's the families who trust us with the biggest financial purchase of their lives and a place to call HOME.

THANK YOU to our friends, clients, and community for your continued loyalty and referrals 💛

Whether it's VA, FHA, USDA, HUD 184, a down payment assistance program or a renovation loan, there is usually a path.

If you've been thinking about buying, refinancing or just want a mortgage check up, let's have a call and put your plan together.

Happy Monday, friends! ☕ Let's talk about the market week ahead.Fed Chair Kevin Warsh gave a pretty hawkish Jackson Hole...
08/31/2026

Happy Monday, friends! ☕ Let's talk about the market week ahead.

Fed Chair Kevin Warsh gave a pretty hawkish Jackson Hole speech Friday, hinting the Fed may need to hike rates if inflation doesn't cool. But here's the good news: this week is Jobs Week, and it could actually help. 📊

We've got JOLTS Tuesday, ADP employment Wednesday, jobless claims Thursday, and the big BLS jobs report Friday. Recent revisions already showed the job market is softer than we thought (nearly 80,000 jobs got wiped from the books!). If that trend keeps going this week, mortgage rates could get some relief.

For first-time buyers, this is why staying pre-approved and ready matters so much. When rates dip, homes get scooped up fast. And with down payment assistance, HUD 184, VA, FHA, and USDA loans still available, there are more paths to homeownership than most people realize. 🏠

DM me anytime to explore your options!

🏡✨ THIS is what determination looks like! ✨🏡Some closings are extra special because you know just how much work happened...
08/28/2026

🏡✨ THIS is what determination looks like! ✨🏡

Some closings are extra special because you know just how much work happened behind the scenes to get there.

I had the privilege of working with this amazing Mama for over a year as she stayed focused on her goal of becoming a homeowner. She put in the work, followed the plan, stayed tenacious when things weren’t easy, and never lost sight of why she was doing it — creating something better for her kids. ❤️

Today, all of that hard work paid off. She is officially a HOMEOWNER! 🔑🏡

This is one of my favorite parts of what I do. Sometimes the answer isn't “no” — it’s “not yet, but here’s the plan.” And when someone is willing to trust the process and work toward the goal, incredible things can happen.

I am SO proud of her perseverance, discipline, and determination. She earned this moment, and I couldn't be happier to have been a small part of her journey.

Congratulations to this incredible Mama and her kids on their NEW HOME and exciting new chapter! 🥂🏡❤️

Yep - you're allowed to interview me. ☺️ Almost every first call opens the same way: "What's your rate?" And I get it, t...
08/27/2026

Yep - you're allowed to interview me. ☺️ Almost every first call opens the same way: "What's your rate?" And I get it, that's the number the internet talks about, but it's the least useful thing you could lead with. So, here's what I'd ask if I were sitting where you are:

✔️ Which loan programs do you think fit my situation, and why those over the others?
✔️ Are we planning my mortgage strategy with both my short and long-term financial goals in mind? (This is a BIG one!)
✔️ What's my full cash to close, not just the down payment?
✔️ Who actually touches my file day to day, and who do I call when something comes up on a Friday afternoon?
✔️ How fast do you usually close, and what's the thing that most often slows it down?

A lender who's happy to sit in those questions with you is the one you want, and a lender who gets impatient and steers you back to rate is telling you something about how the rest of it will go. ☺️

Save this before your first lender call!

The cash buyer you're up against probably isn't Wall Street. 👀 For years the worry was the same: how do you compete with...
08/26/2026

The cash buyer you're up against probably isn't Wall Street. 👀 For years the worry was the same: how do you compete with a big investor who shows up with cash and takes the house you wanted?

Here's what's really happening: investor home purchases just fell to their lowest level since 2020 (according to Redfin). A federal law passed this summer, the 21st Century ROAD to Housing Act, put limits on the largest institutional buyers. And with price growth slowing across a lot of the country, the math stopped working for investors betting on quick gains.

That's all very real, but I want to be careful about what it means for you, because the headlines are running a little ahead of the data! 📊 Those mega investors were never as big as they sounded. At their peak in 2022 they were roughly 2.4% of home purchases. A small slice, now smaller.

Which brings me back to this graphic. Cash buyers were still about a quarter of the market this summer. That competition didn't go anywhere, because it was never Wall Street to begin with...it's the couple down the street who sold a house they'd owned for fifteen years and rolled the equity into the next one.

Here's why that's actually good news for you: a repeat buyer with equity is beatable in a way an institution isn't. They have a house to sell, they have a timeline, and they have contingencies of their own.

You don't need to out-cash anyone...you need to out-prepare them. DM me to get started...I'll tell you more about how we're helping buyers win offers right now! 📲

Address

40 2nd Street East Ste 203 And 204
Bigfork, MT
59901

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 8am - 9pm
Sunday 8am - 9pm

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