Chad McDowell, Edge Home Finance, NMLS #172223

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Bothell, WA
Chad McDowell, Edge Home Finance, NMLS #172223

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Mortgage solutions built for buyers, homeowners, and the real estate partners who serve them. Equal Housing Lender. Thanks for your integrity. Washington.

Trusted mortgage advisor with over 20 years of experience who provides exceptional client service and expert knowledge on all aspects of securing mortgage loans. Assisted hundreds of families with responsible and affordable home financing by providing a thorough assessment of their financial situation to determine the best loan fit. Always available to advise on questions and concerns related to home financing. Standard FHA loans for purchases and refinances | Government programs such as the HUD $100 Down Payment and USDA Rural Development loans | Conventional and VA financing for purchases and refinances

Licensed to provide loans for the states of Tennessee and Washington, NMLS #172223. Geneva Financial, LLC NMLS #42056

Testimonials

Chad will do what it takes to get the job done!!! Scotty H (via Facebook)

Closed on new house today. Could not have done without the assistance of my mortgage broker Chad McDowell. If you need someone in the future -- he is awesome!!! Wendy R (via Facebook)

You always put customers and integrity first so I know I can send someone your way with confidence that you will watch out for their best interests. Rich H

You can’t go wrong with Chad
William S (via Facebook)

Thanks for the great level of personal service. Even though as a lender, I don't believe you have a fiduciary responsibility to me, I got the strong impression that you informed me of all of the pros and cons of refinancing for my situation, before and during the process. As I told you, I was also able to get several very specific quotes before closing, and Geneva appears to have provided very competitive rates and costs. I am pleased that my intuitions with regard to this, my first and only piece of real estate, have provided me with financial options and a standard of living I never had as a renter. Your service even outside of office hours made the process a stress free one. Justin K(via email)

Chad McDowell delivered such an amazing experience on our first home loan! He demonstrated his professionalism to the highest level and was willing to go the extra mile to make sure our needs were met. I definitely recommend Chad as your Loan Officer, he will deliver with no doubt an excellent and stress free service. Carlos C via Facebook

Equal Housing Lender. Geneva Financial, LLC, I am a licensed mortgage originator, NMLS # 172223, and am licensed to originate mortgage loans in the following state(s): Tennessee.

11/02/2026

Good morning! Interest rates ended the week at their lowest point in nearly a month. It seems like for the first time we aren't looking at Iran, oil prices, or inflation. The movement seems to be coming from the turmoil in tech stocks. Tech stocks hit their lowest levels since July and the bond market (which impacts mortgage rates) was the beneficiary. Interest rates remain in the 7's but we're at least down from the peak. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

10/19/2026

Good morning! Rates ended lower for the second straight week after peaking in early October. Volatility is WAY up, the swings in daily rate movements have been wilder than what would be typical, markets last week seemed hyperreactive to the data. Concerns over tech companies and the increased likelihood of a reduction in AI spending and investment helped rates tremendously. We probably would have seen an even better decrease had it not been for higher than expected inflation numbers and oil prices. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

10/12/2026

Good morning! Interest rates moved lower last week. It wasn't much but at this point we'll take it, it's just a welcomed break from the rising rates. There wasn't a ton of data for markets to react to. We got a small drop in oil prices, that helped. And no news about any new escalations in Iran. Overall, rates ended at their best point in two weeks. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

10/05/2026

Good morning! The move up in mortgage rates continued last week. Sometimes momentum carries the markets and it seems like we got some of that last week. The bulk of the economic data would have typically suggested a rate drop but it seemed like with each data point we would get a little rate rally and then by the end of the day we'd see a reversal. Employment and inflation numbers helped a little bit but not enough to overcome the rise in oil prices. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

09/28/2026

Good morning! And it continues. Oil prices continued to rise last week as we got more escalation in Iran, that caused a severe sell-off in bonds which pushed mortgage rates up. This is the highest we've seen almost two and half years and this last jump has happened very quickly. Rates have moved up more than a half of a percent in just under two weeks, that is an extraordinary pace. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

09/21/2026

Good morning! It was another rough week for mortgage rates, we're now seeing the highest levels since January of 2025. The Fed did raise the Fed Funds Rate on Wednesday as expected. The Fed raising rates doesn't necessarily impact mortgage rates but you will often see correlation in the overall trend. The Fed raising rates is an attempt to curb inflation numbers that are continuing to rise. Inflation absolutely does impact mortgage rates so getting those numbers back to normal levels could ultimately be good for the bond market and mortgage rates. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

09/14/2026

Good morning! It has continued to be a pretty rough stretch for mortgage rates and we're now up over 7% again for the first time in nearly a year and a half. Rising oil prices and inflation numbers that came in slightly higher than expectations were the primary culprit last week. The Fed meets on Wednesday and markets are basically pricing in a rate hike at this point, it feels inevitable. Fed rate hikes don't directly impact mortgage rates but there tends to be correlation. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

08/26/2026

Join us TOMORROW, as we partner with Everett Parks & Community Services to give back to our community.🌲🌳 RSVP: https://bit.ly/4b5u1ZJ

08/24/2026

Good morning! Mortgage rates ended the week just barely higher than where they started. After Wednesday's announcement that the treasury would double the size of their long-term treasury bond buybacks, mortgage rates dropped. Basically, the program would help to decrease bond yields, which would corelate to lower mortgage rates (not the stated goal but a welcomed side-effect). Unfortunately, the drop in rates didn't hold. There didn't seem to be any particular economic news that pushed them back up, more of an over-reaction to the treasury announcement followed by a quick market correction. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

08/10/2026

Good morning! Interest rates came down a little bit last week. It certainly wasn't a big drop but we're at the lowest point we've seen since mid July. The week ended with the latest jobs report, those numbers came in well under expectations, which doesn't necessarily sound great but is good for interest rates. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
206-900-4522

Address

22722 29th Drive SE Suite 100
Bothell, WA
98021

Telephone

+12069406526

Website

https://edgehomefinance.com/team-member/chad-mcdowell/

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