KCutter@houseloan.com
360-281-0344
Kris Cutter
Buying a home or exploring a refinance? Connect with Kris to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Kris
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 Kris
Overall very positive, it was pretty challenging and grueling to work with the building department but Kris made it work and kept everything on track.
This is the third time I have worked with Kris. She is amazing and the reason I come back and work with her!
I had a great experience working with Cornerstone! The process was smooth, communication was excellent, and they were always available to answer my questions. They made the home buying process much less stressful, and I would definitely recommend them to anyone looking for a reliable lender.
Very responsive and helpful. Thank you for such a smooth process.
Chris is always amazing. She’s right there to help with everything and anything!
Kriss Cutter was extremely responsive and efficient. The closing was smooth and on time, with no unnecessary paperwork. I definitely recommend Kriss, especially for busy business professionals who don’t have the time to deal with delays or extra back-and-forth. Overall, this was probably the best loan experience I’ve had. Thank you, Kriss
Kristine was very helpful!!! Always available and made buying a home stress free!! I highly recommend her
Kris has always been and continues to be the very best loan officer. I would never use anyone else
Kris was easy to work with. Very helpful and informative. Would work with her again!
Kris got me into a construction loan and made things happen when others said it couldn't.
Kris did an incredible job start to finish. She made everything pretty easy!
Kris Cutter was excellant to work with!! Professional and prompt.
Let’s connect
Contact Kris
Share a little about your plans and how to reach you.
Office locations
Suite 110
Vancouver, WA 98683
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 Kris today.
