Shawnee Spencer, Mortgage Loan Officer

Shawnee Spencer

Shawnee Spencer

Mortgage Loan Officer
NMLS# 463131
President's Club
[email protected]
360-308-2349

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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.

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Mortgage rates as low as:

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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

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Purchase 5.375% 5.442% 0.250 $300,000.00 $1,679.91
15-year Fixed Rate Purchase 4.490% 4.621% 0.375 $300,000.00 $2,293.45

Interest Rates Effective: 05/19/2022

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Jumbo: Purchase Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Purchase 4.500% 4.528% 0.000 $900,000 $4,560.17
15-year Fixed Rate Jumbo Purchase 4.125% 4.248% 0.500 $900,000 $6,713.71

Interest Rates Effective: 05/19/2022

Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Refinance: Rate-and-Term Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 5.490% 5.569% 0.375 $300,000.00 $1,701.49
15-year Fixed Rate Refinance 4.750% 4.900% 0.500 $300,000.00 $2,333.50

Interest Rates Effective: 05/19/2022

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Construction Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Construction 4.875% 4.951% 0.375 $300,000 $1,587.62
15-year Fixed Rate Construction 4.625% 4.719% 0.125 $300,000 $2,314.19

Interest Rates Effective: 05/19/2022

Assumes a custom construction of an owner-occupied single-family residence with a loan amount of $300,000 based on a finished value of $400,000.  Loan terms include a 12-month construction period with interest only payments based on funds as they are used for construction.  Converts to a monthly fixed P&I payment at the end of the construction period.  APR *(Annual Percentage Rate) is based on loan amount and interest rate. Examples of monthly P & I payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.