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.

Good morning! Interest rates ultimately ended flat for the week despite a spike up after Fed day. We had seen several ...
06/22/2026

Good morning! Interest rates ultimately ended flat for the week despite a spike up after Fed day. We had seen several days of lower rates before the Fed meeting but that was all erased pretty quickly. Markets reacted primarily to the Fed revising their outlook on the probability of rate hikes in 2026. When the Fed hikes rates, that is not a direct hike to mortgage rates, however there is some correlation. The bond market, which does directly impact mortgage rates, didn't like the Feds announcement and lost some ground causing rates to move higher. Call me with questions and have a wonderful week!

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

Looking forward to this one!I'll be sponsoring the first round, so come grab a drink, meet some great people, and kick o...
06/15/2026

Looking forward to this one!

I'll be sponsoring the first round, so come grab a drink, meet some great people, and kick off summer with us. Whether we've worked together before or haven't met yet, I'd love to connect.

See everyone at the Rustic Cork on June 17th! 🍻

Good morning! Last week wasn't bad for interest rates. Overall, rates were down but they have been moving in a pretty ...
06/15/2026

Good morning! Last week wasn't bad for interest rates. Overall, rates were down but they have been moving in a pretty tight range lately. This is the lowest we've seen in a couple of weeks but still stuck at the high end of the range of the last several months. That said, we could hopefully see some progress moving forward, once again a peace deal between the US and Iran has been announced and the Straight of Hormuz is set to reopen as negotiations move forward. Mortgage rates have been at elevated levels since the beginning of the conflict, if it is truly ending then hopefully that will start to push them lower again. Call me with questions and have a wonderful week!

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

Good morning! It wasn't a good week for mortgage rates. Things were basically flat until Friday when we got new jobs n...
06/08/2026

Good morning! It wasn't a good week for mortgage rates. Things were basically flat until Friday when we got new jobs numbers. Those numbers were not just over expectation but they crushed the expectation. There were also revisions made to previous job numbers that were all to the better. Good jobs numbers sounds like it should be a good thing, and it is economically, but rates tend to get better when economic news is negative. A strong jobs report disincentivizes the Fed to make future rate cuts, it's also common for investors to move money out of the bond market when economic news is strong. The bond market, specifically mortgage backed securities, impacts rates and money leaving the bond market doesn't help. Call me with questions and have a wonderful week!

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

06/03/2026
Good morning! It wasn't a bad week for interest rates and at this point we'll take that! Rates are down slightly from ...
06/01/2026

Good morning! It wasn't a bad week for interest rates and at this point we'll take that! Rates are down slightly from the highpoint we've seen since the war started and what's more, we've gotten seven straight days of rates NOT going higher. They've either been flat or down slightly. If we do get a resolution to the Iran conflict there is certainly room to see rates start to move back down again. Call me with questions and have a wonderful week!

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

Good morning! I hope you had a fantastic Memorial Day weekend! Interest rates last week ended exactly where they began...
05/26/2026

Good morning! I hope you had a fantastic Memorial Day weekend! Interest rates last week ended exactly where they began but it wasn't without a little drama in between. Rates spiked on Tuesday to the highest point in over 9 months but as rumors of a peace deal started to surface the markets responded. Oil prices came down a little bit, the bond market rallied, and interest rates got back to where they were at the start of the week. Call me with questions and have a wonderful week!

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

Good morning! It was another rough week for mortgage rates and we are now at the highest point in eight months. There ...
05/18/2026

Good morning! It was another rough week for mortgage rates and we are now at the highest point in eight months. There were hopes that the summit with China would net some favorable news for the war in Iran and while both countries want it to end there was little productive discussion. As soon as the summit ended, bond yields began moving higher, when that happens mortgage rates follow suit. Inflation concerns due to the price of oil and the expense of an ongoing war will continue to put upward pressure on rates until we start to get some good news on a resolution. 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 interest rates. As peace talks increased the markets had started to settle down...
05/04/2026

Good morning! It was a rough week for interest rates. As peace talks increased the markets had started to settle down a bit but then on Tuesday we got news of a possible prolonged blockade of the Straight of Hormuz. Oil executives were consulted on the potential impact and markets certainly reacted, oil prices and interest rates moved higher on Wednesday morning. That news wasn't helped by three Fed members making it clear they disagree with the Fed's statement that the Fed is more likely to lower rates moving forward. Those members wish to see where the economic data and inflation numbers trend and are open to the possibility of higher rates. 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 flat last week, very little movement to speak of at all. There was talk of potentia...
04/27/2026

Good morning! Interest rates were flat last week, very little movement to speak of at all. There was talk of potential peace resolutions, that certainly is helping to calm markets. Also, Fed Chair Jerome Powell will be heading his last meeting on Wednesday, the expectation is that Kevin Warsh will be confirmed as his replacement. His appointment slightly increases the likelihood of a rate cut in 2026 but it would still be a bit surprising. 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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