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601 W. 1st Avenue, Suite 1400 Office 1449 Spokane, WA 99201 Mobile (509) 553-2533 Tel (509) 352-9743 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Blake Holman
- Loan Officer
- Spokane, WA Mortgage Loan Officer
- NMLS #2550401
I’ll be with you every step of the way
Hi, I’m Blake Holman, and I’m committed to guiding you through a seamless mortgage journey. Having called the Palouse home for most of my life, I’m passionate about helping my community achieve homeownership. As a loan officer with CrossCountry Mortgage, I strive to make the home financing process simple, stress-free and tailored to your goals.
Whether you’re buying, refinancing or investing, I’ll walk you through every step, answer your questions in plain terms, and help you find the right loan for your goals. With a wide range of mortgage options—including conventional, FHA, VA, USDA and programs exclusive to America’s #1 Retail Mortgage Lender—I’ll ensure you get the right financing solution.
If you’re ready to take the next step, let’s connect! I’d love to help you turn homeownership dreams into reality right here in the place I call home.
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Guides and resources
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Blake’s testimonials
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.