Seattle's Trusted Mortgage Partner

Your path to homeownership, clarified

I guide first-time buyers and refinancers through every step of the mortgage journey—transforming complex financing into a clear, confident decision.

500+

Families Helped

15+

Years Experience

Beautiful Seattle home exterior representing homeownership dreams
What I Offer

Mortgage solutions tailored to your vision

Whether you're purchasing your first home, refinancing, or exploring investment options, I provide personalized guidance every step of the way.

First-Time Buyers

Navigate the homebuying process with confidence. I'll help you understand your options, from FHA to conventional loans, and find the best fit for your situation.

Refinancing

Lower your monthly payment, shorten your term, or tap into home equity. I'll analyze your current loan and show you how refinancing can work for you.

Jumbo Loans

Seattle's premium properties often require specialized financing. I'll help you secure competitive rates on conforming and jumbo loan programs.

VA Loans

Honor your service with a loan that requires no down payment. I specialize in VA loans for veterans, active duty military, and eligible spouses.

Investment Properties

Expand your real estate portfolio with investment property loans. I'll help you understand the different programs available for rental properties.

Rate Locks & Timing

Timing your rate lock can make a significant difference. I'll help you monitor market conditions and lock at the right moment for your needs.

Heather Cox, mortgage professional in Seattle
About Heather

Making mortgage simple since day one

With over 15 years of experience in the Seattle mortgage market, I've helped hundreds of families achieve their homeownership dreams. My approach is straightforward: I listen first, then craft a financing strategy that fits your unique situation.

At CrossCountry Mortgage, I have access to a wide range of loan products and competitive rates. But what sets me apart is my commitment to transparency and education—you'll never feel pressured, only informed.

Licensed in Washington
NMLS #254525
Local Seattle Expert
Personal Attention
How It Works

Your journey to closing

A transparent, streamlined process from application to keys in hand.

1

Consultation

We'll discuss your goals, timeline, and financial situation. I'll explain your options and answer all your questions—no pressure, just clarity.

2

Pre-Approval

I'll guide you through the application process, gather the documents you need, and secure your pre-approval so you can shop with confidence.

3

Closing Day

From underwriting to closing, I'll keep you informed every step of the way. On closing day, you'll sign the paperwork and get the keys to your new home.

"Heather made what we thought would be a stressful process feel effortless. Her knowledge of the Seattle market and patience with our questions made all the difference."
M

Michael & Sarah T.

First-Time Homebuyers, Capitol Hill

Get in Touch

Let's start your conversation

Ready to explore your mortgage options? I'd love to hear from you. Reach out for a complimentary consultation—no obligation, just honest advice.

Office Address

600 University St Ste 1701
Seattle, WA 98101

Is this your business?This is my business