DMccloud@houseloan.com
360-600-2025
Debra McCloud
Buying a home or exploring a refinance? Connect with Debra to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Debra
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Debra
Debbie was really nice and very helpful with and questions or concerns we had! Her and Kim were both great to work with! Thank you ladies 😊😊
Debbie was very nice and helpful but the process took forever. Seemed like we were constantly running into snags. Overall the people were great.
Personalized, expert assistance with a challenging property. Thank you!
Debbie and team are a miracle. So professional and friendly. Superior knowledge of the industry and felt like I could not be in better hands.
You did excellent!
Excellent and they helped me out right away
You did a great job of keeping us informed throughout the process and in helping resolve some of the unforseen issues that came up.
I have purchased property in my short 73 years in numerous states and a few countries. Debra McCloud in my humble opinion was the finest, most complete handling of our transaction, from our first loan and now our refinance. Debra's professional knowledge of the market, loans and funding could not be better. I feel as though I have not only garnered respect but a new addition to my life. I have already recommended Debra and Cornerstone. This home is to be our forever home and what better way complete the process than to complete our journey with Debra and her amazing skill and personality. Thank You for everything. Brad Loman and Keith Jenkins
My experience was great! Very efficient, quick and painless.
Debra is a terrific partner thru the entire property mortgaging process.
My family appreciates Debra and her team for helping us get a home. We are grateful, and their dedication did not go unnoticed. We appreciate their communication and willingness to get us through each step of the home-buying process. We've already recommended to our friends and family that they reach out to Debra and her team.
Debra McCloud is the ABSOLUTE BEST!!! She has helped me buy two houses now. Her team is efficient, communicative and professional. I highly recommend them and will use them again in the future!! A+ service!
Let’s connect
Contact Debra
Share a little about your plans and how to reach you.
Office locations
Suite 110
Vancouver, WA 98683
Suite 700
Houston, TX 77027
Suite 104
Covington, WA 98042
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 Debra today.
