Bothell Mortgage Lender

Local Mortgage Expertise Backed by Experience and Personal Service

As a longtime mortgage advisor serving Bothell and the surrounding communities, I provide home financing solutions that are clear, personalized, and built around each client’s goals. With over 25 years in the industry, I’ve helped hundreds of homebuyers and homeowners navigate the loan process with confidence.

Whether you’re buying your first home, moving into a new one, refinancing, or investing in real estate, my team and I are here to guide you through the options that make the most sense for you.

Contact us

What It’s Like to Work With Team Rosa

Our approach is simple: deliver smart lending options with clear guidance and consistent communication. We focus on making the loan process feel manageable, not overwhelming. You’ll never be left wondering what’s next or who to call.

When you work with my team, you get:

  • Mortgage solutions tailored to your needs, not a one-size-fits-all product
  • Transparent updates throughout the process
  • Local experience from someone who understands the Bothell market
  • A real person you can talk to, with a team that supports you from start to finish
Contact us

Home Loan Services in Bothell

I offer a full range of residential mortgage programs for buyers, owners, and investors in the Bothell area:

First-Time Homebuyer Loans

Low down payment options, credit education, and step-by-step support. I also host regular first-time buyer classes for those who want to learn before they leap.

VA Loans

Flexible financing for eligible veterans, service members, and surviving spouses, with competitive terms and no private mortgage insurance.

Conventional Loans

Fixed and adjustable-rate options, including as little as 3% down for qualified buyers.

FHA Loans

A strong option for buyers with lower credit scores or smaller down payments.

Jumbo Loans

Financing for homes that exceed conforming loan limits, with customized solutions based on your financial profile.

Self-Employed and Non-QM Loans

Alternative documentation and flexible qualification for entrepreneurs, freelancers, and business owners.

Investment Property Loans

Support for new and experienced investors, including programs that use rental income to help you qualify.

Bridge Loans and Buy-Before-You-Sell Solutions

Strategies that allow homeowners to purchase a new home without waiting for their current home to sell.

Start With a First Time Homebuyer Class

Buying your first home is a big step—but you don’t have to figure it all out on your own.

Whether you’re just starting to explore the idea or you’re actively preparing to buy, our free First-Time Homebuyer Class is designed to give you the clarity and confidence you need.

Sign up

Start Your Home Financing Plan

Home financing isn’t just about getting approved. It’s about understanding your options, building a plan, and having the right people on your side. Whether you’re just starting to gather information or ready to move forward, I’m here to help you take the next step.

Schedule a free planning call or sign up for a class.

If you’re looking for a trusted mortgage lender in Bothell, I’d be honored to work with you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated, artificial, or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.

    What Others Are Saying

    We’re extremely proud of our work. See what other first time buyers say about working with us.

    Having someone who knows the process well, and is able to answer your question throughly is huge…They were extremely knowledgeable and went above and beyond on all the questions I had. Truly a good team to have on your side.

    David B., Bothell

    Rosa and her team made buying our first home a breeze. They catered to our needs, were consistently communicative, gave great guidance, and connected us with a wonderful realtor. I would highly recommend Rosa if you’re in the market for a new house.

    Zack B., Bothell

     Throughout the whole process Rosa and team were quick to answer all of our questions and help create a plan that works best for us. The team made what can be a very intimidating process super simple! Highly recommend!

    Alex R., Bothell

    Rosa and her team were great to work with! Super knowledgeable, patient, and responsive. I felt confident throughout the process that we would close (and we did!).

    Rachel S., Bothell

    Rosa and her team were professional and attentive at every step of the way. Anytime we wanted to run numbers on a prospective house, they got back to us very quickly so that we could make informed decisions… They made our first time home buying experience a smooth, exciting process. Thank you, Rosa and team!

    Lexi H., Bothell