IKosenkov@houseloan.com
206-356-6204
Ilya Kosenkov
Buying a home or exploring a refinance? Connect with Ilya to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Ilya
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 Ilya
We are so grateful to Ilya Kosenkov for helping us buy our first home in the United States! As first-time homebuyers, we had a lot of questions and concerns, but Ilya made the whole process so much easier. He was always available to answer our questions, explain everything clearly, and guide us through every step of the mortgage process. What we appreciated most was his patience, professionalism, and genuine care. We always felt that he had our best interests in mind. We are so happy we had the opportunity to work with Ilya. Thanks to his help, our dream of owning a home has finally come true! Thank you so much, Ilya, for everything! We highly recommend him to anyone looking to buy a home!
I would like to sincerely thank you for all the wonderful work you do. Your dedication, patience, kindness, and attention to detail truly make a difference. Your hard work and commitment are greatly appreciated. Thank you for everything you do and for always putting so much care into your work. It is truly valued!
This agent is quick to communicate, always available to help and is willing to review tedious explanations that were foreign to me multiple times. This agent came highly recommended and with no surprise did not disappoint! Ilya will always be a trusted partner in present and future endeavors as we navigate home ownership!
Excellent customer service Thank you very much
Excellent customer service!!!
Professional guys, they are working so good! Highly recommend.
We were extremely happy with the services we were provided. This was the second time we had worked with him, and it was just a pleasant experience as the first. He was not only professional and friendly, but fast, and that was important to us. We had many questions, and he was able to answer them and carefully explain his answers so we truly understood. Highly recommend his services to anyone looking.
A huge thank you to Natalia and the entire team at Cornerstone Home Lending! Thanks to their guidance and seamless mortgage process, we are now happy homeowners! Natalia was wonderfully responsive, supported us through every question, and helped us navigate every detail with ease. Her kindness, clear communication, and professionalism made what could have been a stressful process completely smooth and worry-free. Wishing Natalia and the Cornerstone team all the very best, happiness, and continued success! We strongly recommend them to anyone in need of a mortgage lender.
A huge thank you to Natalia and the entire team at Cornerstone Home Lending! Thanks to their guidance and seamless mortgage process, we are now happy homeowners! Natalia was wonderfully responsive, supported us through every question, and helped us navigate every detail with ease. Her kindness, clear communication, and professionalism made what could have been a stressful process completely smooth and worry-free. Wishing Natalia and the Cornerstone team all the very best, happiness, and continued success! We strongly recommend them to anyone in need of a mortgage lender.
Working with Ilya and his team was an absolute pleasure from start to finish. The entire loan approval process was fast, clear, and hassle-free. They kept me informed every step of the way and answered all my questions promptly. Highly recommend them to anyone looking for a seamless home financing experience!
Хочу выходить огромной блогодарность команде Ilya Kosenkov они профессионалы своего дело помогли во всем сделали все возможной и помогли нам с кредитом рекомендую Ilya Kosenkov ипотечный его команду
⭐⭐⭐⭐⭐ Ilya Kosenkov and his team, including Natalia, were absolutely fantastic to work with! Throughout the transaction, they were professional, responsive, organized, and committed to keeping everything moving smoothly toward closing. Ilya and Natalia made communication easy. Questions were answered promptly, updates were provided along the way, and there was always a genuine sense that we were all working together toward the same goal. That level of communication and teamwork makes such a difference in a real estate transaction. As a title agent, I truly appreciate working with a Loan Officer and lending team who understand the importance of coordination between all sides of the transaction. Ilya and Natalia were a pleasure to work with, and I look forward to many more successful closings together. I would highly recommend Ilya Kosenkov and his team to anyone looking for a knowledgeable, attentive, and dependable lending team! 🏡🔑⭐
Let’s connect
Contact Ilya
Share a little about your plans and how to reach you.
Office locations
Suite 400
Lynnwood, WA 98037
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 Ilya today.
