esther@houseloan.com
360-929-0953
Esther Spence-Crabb
Buying a home or exploring a refinance? Connect with Esther to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Esther
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 Esther
To me securing financing for a house isn’t always smooth and there can be challenges that happen but it’s part of the process. However when an unexpected hiccup came up in the middle of the process Esther and her team quickly pivoted, explained alternative solutions, and found a way to keep everything moving forward. Their ability to adapt and address the situation helped secure the loan and keep buying the house on track. This was a big milestone for my family, and the last thing we wanted was a financial problem. I really appreciate the team’s persistence, flexibility and commitment to getting it done. I absolutely recommend them to anyone looking for a team that knows how to navigate through challenges and get it done. Thank you Esther
Esther was amazing helping me through this process thanks again
Esther was an incredible help and super knowledgeable! She was a crucial part in helping my boyfriend and I buy our first home! We could not have done it without her! She was always available to answer questions and help us each step of the way! Thank you Esther!
We purchased a home off market recently and Esther was so helpful with the whole process. There were definitely gaps in communication with our sellers and she helped to bridge that gap and assisted us with any obstacles during the purchase. Highly recommend working with Esther!
Esther at cornerstone was very helpful in our journey to purchasing our first home we first contacted her a few years ago, however couldn't find the right place. Then when popped up and she was quick to answer the phone and all our questions. The entire process was seamless from start to finish. Couldn't have asked for a better person to quarterback one of the biggest moves in our life so far, pun intended!
Great experience! Made us feel comfortable for the entire process and had our best interest in mind. Was very approachable and could message about questions at any time.
Esther and her team were fantastic to work with and had great communication throughout the duration of the home buying process. Also incredibly accommodating with being on the opposite side of the country during the process. Absolutely recommend!
Esther helped us buy our dream cabin on Whidbey Island. Working with Esther and her team was such a great experience -- they are experienced and know their stuff, they are incredibly responsive and efficient, and they are all really great people. Highly recommended.
Working with Esther is a great experience. Esther knows her stuff and gave us great suggestions as we moved through the purchase process. The team is responsive, polite and helpful. I would recommend them to anyone.
Cornerstone had a VA loan approved overnight which helped in closing on our dream home. Amazingly fast and answered all my questions.
Amazing service!!! So easy to communicate with!!! Highly highly recommend!
Let’s connect
Contact Esther
Share a little about your plans and how to reach you.
Office locations
Anacortes, WA 98221
Suite 700
Houston, TX 77027
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 Esther today.
