BFord@HouseLoan.com
509-388-9522
Bob Ford
Buying a home or exploring a refinance? Connect with Bob to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Bob
Bob Ford brings a people-first approach to everything he does, and the mortgage industry is no different. As a mortgage advisor, he guides clients through every step of the homeownership process with clarity and care to ensure their needs come first. He is passionate about helping individuals and families build wealth and stability through real estate, always serving as a steady, encouraging voice throughout the process.
A lifelong Washington resident, Bob lives in Ellensburg with his wife, Kendra, their two daughters, and two dogs. Before his mortgage career, he spent 18 years in leadership roles at Central Washington University. Bob holds Bachelor’s and Master’s degrees from Western Washington University and enjoys outdoor adventures, community mentorship as Executive Director of Ellensburg Youth Rugby, and, above all, spending time with his family.
What clients say about Bob
Bob Ford is excellent in his knowledge and expertise in all things relating to home lending. But it is his attention to detail and customer care that we are most impressed with. He took the time to make sure we had the best experience possible by going above and beyond to assist us with buying our home! We highly recommend Bob Ford for all of your home financing needs!
My husband and I have bought a few homes and refinanced each of them once or twice over the years and while most agents we have dealt with have been very helpful, we have never had someone who has shown the care and personal attention that Bob Ford did. we were both so surprised and pleased that Bob sincerely cared about what we needed and kept us informed throughout the process. He tried and succeeded in getting us the best refinance possible! We were so very pleased with the results. Bob and his team are the best!
All went really well! In my opinion, a few items could have been requested earlier to avoid delays on one hand, on the other hand some items were requested well before they were even produced & available. Overall, however, everything turned out fine and we are happy with the final results. Thank you. Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
Let’s connect
Contact Bob
Share a little about your plans and how to reach you.
Office locations
Suite 112
Ellensburg, WA 98926
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Bob today.
