Shawnee Spencer, Mortgage Loan Officer
Shawnee Spencer
Mortgage Loan Officer
NMLS# 463131
President's Club
[email protected]
360-308-2349
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
Apply Now| 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
Jumbo: Purchase Loan Rates
Apply Now| 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
Refinance: Rate-and-Term Refi Rates
Apply Now| 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
Construction Loan Rates
Apply Now| 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.