Chad McDowell, Edge Home Finance, NMLS #172223

Chad McDowell, Edge Home Finance, NMLS #172223 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 h

ome 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.

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

Good morning! Mortgage rates ended the week just barely higher than where they started. After Wednesday's announcemen...
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

Good morning! Interest rates came down a little bit last week. It certainly wasn't a big drop but we're at the lowest...
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

Good morning! Well, rates started to come down from their recent highs...until they didn't. There was a fairly tepid ...
08/03/2026

Good morning! Well, rates started to come down from their recent highs...until they didn't. There was a fairly tepid reaction to the Fed meeting on Wednesday when they confirmed that they would not be hiking rates. A rate hike had been considered unlikely so the announcement didn't really move the markets. Then Friday came and we got a pretty atypical market mover. Japan confirmed it would be selling off foreign bonds in order to prop up their own currency, the US got involved as well and without going into a bunch of detail, it caused a considerable sell-off in US treasuries. The bond market has an impact on mortgage rates and that size of a sell-off was enough to push rates higher. Call me with questions and have a wonderful week!

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

Good morning! It was a rough week for mortgage rates. As bombing in Iran escalated again, we got a rise in oil prices ...
07/27/2026

Good morning! It was a rough week for mortgage rates. As bombing in Iran escalated again, we got a rise in oil prices and the correlation with oil prices and mortgage rates has continued to stay in sync. We got a little relief on Friday with kind of an unofficial cease fire but overall, rates ended the week at their highest levels of the years. The Fed meets this week, it's unlikely they will announce a rate hike but getting a confirmation of that could possibly help markets. Call me with questions and have a wonderful week!

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

Good morning! Rates got off to a rough start last week but after an initial spike they made their way back down and act...
07/20/2026

Good morning! Rates got off to a rough start last week but after an initial spike they made their way back down and actually ended very slightly lower than where they began. The recovery was mostly the result of inflation numbers coming in better than expected for the second month in a row. We also were helped out by a little bit of stock market weakness. Overall, rates continue moving is a very small range. Call me with questions and have a wonderful week!

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

Good morning! Interest rates were up very slightly last week, it would be hard to notice. Rates have moved up and down...
07/13/2026

Good morning! Interest rates were up very slightly last week, it would be hard to notice. Rates have moved up and down over the last month in a very small range, there hasn't been any real traction in either direction. Without any significant economic data, the bond market (and mortgage rates) are mainly reacting to US/Iran tensions and some of that fall out. As oil prices come down, rates probably will too but if we see another escalation, we may likely see rates move higher. Call me with questions and have a wonderful week!

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

⛳ Time is running out! Registration for our Charity Golf Tournament Golf & Give closes in just 15 days.Don't miss your c...
07/06/2026

⛳ Time is running out! Registration for our Charity Golf Tournament Golf & Give closes in just 15 days.

Don't miss your chance to enjoy a great day on the course while supporting a meaningful cause, Habitat for Humanity of Snohomish County. Register today and secure your spot! https://bit.ly/47cHoW6

Good morning! It was not a great week for mortgage rates. There wasn't a lot of data for markets to react to but more l...
07/06/2026

Good morning! It was not a great week for mortgage rates. There wasn't a lot of data for markets to react to but more likely it was continued end of quarter positioning and rebalancing. We got a small bounce back on Thursday with some jobs numbers before the market shut down for the 4th of July holiday weekend but we still ended the week worse off than where we started. Call me questions and have a wonderful week!

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

Good morning! Interest rates continue to move in a fairly small range but we are seeing a little bit of downward moment...
06/29/2026

Good morning! Interest rates continue to move in a fairly small range but we are seeing a little bit of downward momentum. Rates ended last week at their lowest point since early May. The movement down started with inflation numbers early in the week. The report just showed inflation coming in at the expected levels, nothing crazy, but it was enough to help. It's also the end of a quarter, some of the rate movement can be attributed to investors rebalancing their stock and bond portfolios. 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

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