Shawnee Spencer, Mortgage Loan Officer
Shawnee Spencer loves helping people become homeowners, whether their first or forever home. She has 30 years of experience purchases and refinances of single family homes. Additionally, she is an expert in construction financing. Build
your dream house with a construction loan from Shawnee!
In her free time, Shawnee loves spending time with her family hiking in the Olympic National Park. She volunteers with the local community including her local food bank.
Request a Custom Quote from Shawnee
Mortgage rates as low as:
6.054%
APR
30-year Fixed Rate Purchase
6.657%
APR
30-year Fixed Rate Jumbo Purchase
5.927%
APR
15-year Fixed Rate Refinance
5.698%
APR
30-year USDA Fixed Rate Purchase
Start Your Loan Application Online
Apply for pre-approval, purchase, refinance, or construction loans.
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Documentation Checklist
- Proof of identity: Driver's license, SSN, signature
- Proof of Income: W-2 wage statements from past two years
- Proof of asset: Bank statements and/or investment account statements
- Employment verification: Pay stubs or business statements for self-employment
- Credit report will be pulled during the application based on ID provided
Purchase: Conforming Loan Rates
Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
---|---|---|---|---|---|
30-year Fixed Rate Purchase | 6.000% | 6.054% | .250 | $450,000.00 | $2697.98 |
15-year Fixed Rate Purchase | 5.500% | 5.570% | .125 | $450,000.00 | $3676.88 |
Interest Rates Effective: 10/18/2024
Jumbo: Purchase Loan Rates
Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
---|---|---|---|---|---|
30-year Fixed Rate Jumbo Purchase | 6.625% | 6.657% | .000 | $900,000 | $5762.80 |
15-year Fixed Rate Jumbo Purchase | 6.375% | 6.467% | 0.250 | $900,000 | $7778.25 |
Interest Rates Effective: 10/18/2024
Refinance: Rate-and-Term Refi Rates
Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
---|---|---|---|---|---|
30-year Fixed Rate Refinance | 6.500% | 6.532% | .000 | $450,000.00 | $2844.31 |
15-year Fixed Rate Refinance | 5.875% | 5.927% | .000 | $450,000.00 | $3767.03 |
Interest Rates Effective: 10/18/2024