Sherry Jenkins

Loan Originator

NMLS#1562382

En Español →

25 years guiding families through every stage of homeownership, from first keys to vacation homes to a fresh start.

AZ, ID, OR

Start Here

Where do you stand right now?

Pick the situation that fits and I’ll point you in the right direction.

🔑

Buying my first home

“New to all of this? I will walk you through it in plain English, from budget to closing day.”

Let’s get started →

🏡

Moving up or buying a second home

“Ready for more room or a getaway place? I will help you line up the right loan for the move.”

Talk through my options →

🧭

Financing a unique property

“Manufactured home, chattel, or something off the beaten path? I know how to get these done.”

See if I can help →

(206) 612-4484

What I Do Best

Here's Where I Specialize

One size does not fit all. Here are the situations where I bring the most value.

First-Time Homebuyers

Buying your first place should feel exciting, not confusing. I explain each step so you always know what comes next.

Down payment and credit guidance
Clear answers, no jargon
Programs built for first-time buyers

Move-Up & Vacation Homes

Your next home should match your life today. I help move-up buyers and vacation-home buyers find the right fit.

Second-home financing
Buy-before-you-sell strategies
Loans matched to your goals

Unique Property Financing

Some homes need a lender who knows the details. I handle manufactured homes, chattel, and other special cases.

Manufactured & chattel loans
Non-standard property types
Creative financing options

Here's How It Works

No surprises, no pressure. This is what the process actually looks like.

1

Tell me your situation

"We talk through your goals, your timeline, and your finances. No commitment. Just a conversation."

2

I review your options

"I shop your scenario across multiple lenders and bring back the best options with real numbers."

3

You choose the best fit

"You decide. I'll walk you through each option in plain English, without the pressure or the jargon."

4

We close - I'm with you

"From application to closing keys, I manage the process and stay reachable the whole way."

No commitment required. Just a conversation.

The Process

Here's How It Works

Four simple steps. I handle the heavy lifting and keep you informed the whole way.

1

We talk

Tell me your goals. I listen first, then explain your options in plain language.

2

Get pre-approved

I review your numbers and give you a clear budget so you can shop with confidence.

3

Find your loan

As a broker, I compare lenders to find the loan that fits you best, not the other way around.

4

Close with ease

I stay proactive through underwriting so closing day is smooth and on time.

Run the Numbers

Try the numbers yourself

Get a feel for your payment and buying power before we talk. These are quick estimates.

Mortgage Payment Estimator

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Home Price ($)

Down Payment ($)

Down payment cannot exceed the home price.

Loan Amount ($)

Loan amount cannot exceed the home price.

Interest Rate (%)

Loan Term

Monthly Tax + Insurance (optional)

Estimated Monthly Payment

—

This is an estimate only. Your actual payment may vary based on your loan type, credit profile, and lender. Contact Steve for an accurate quote.

Use the full mortgage calculators and tools →

How Much Can I Buy?

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Household Income — Pre-Tax

Include all borrowers who will be on the loan. Enter your combined pre-tax income.

Monthly Debt Payments ($)

Include car payments, student loans, credit card minimums, and any other monthly loan payments. Do not include household bills such as rent, utilities, phone, or insurance.

Down Payment ($)

Based on what you've entered, you may qualify for a home up to

—

This is an estimate based on standard debt-to-income guidelines. Your actual buying power depends on your credit score, loan type, and lender. Talk to Steve for a real number.

Talk to Sherry Jenkins for a real number — (206) 612-4484 →

From the First-Time Homebuyer Guide

Know your real number before you shop

Understanding pre-approval vs. pre-qualification so you shop with confidence, not guesses.

Down payment assistance is more common than you think

Most buyers don't realize help exists in their state. This guide shows you what's available.

Closing costs are negotiable

Knowing what's negotiable before you make an offer can save you thousands.

“I put this guide together for first-time buyers I work with.”

— Sherry Jenkins

Free PDF — No email required

Wondering What Rate You'd Qualify For?

Let’s talk. I will look at your situation and give you honest, clear answers, with no pressure.

Why I Do This Work

“I listen, I advocate, and I educate.”

For over 25 years, I have helped people through every stage of buying a home. I have seen the good, the hard, and the real strength that comes from owning a home and building wealth through real estate

I have walked friends, family, and hundreds of others through their first home purchase. I have helped empty nesters downsize. I have helped buyers land that well-earned vacation home. I have even helped people turn a business dream into reality.

When it comes to finding a loan, one size does not fit all. I use my years of experience, the wins and the challenges, to help get you where you want to be.

I am transparent and proactive. I will do the very best I can for you and your family, every single time.

Licensed in AZ, ID, OR

NMLS#1562382

25 years in your corner

Good Questions

Questions I Hear Most

Straight answers, no sales pitch. Browse the mortgage glossary for more definitions.

Understanding the Broker Model

How much do I need for a down payment?

It depends on the loan. Some programs allow as little as 3% down, and a few allow zero down for those who qualify. I will show you the options that fit your budget so you can choose what works.

Can you help with a manufactured or unique home?

Yes. I have years of experience with manufactured homes, chattel loans, and other property types that some lenders shy away from. If your home is a little different, that is exactly where I can help.

Why work with a broker instead of a bank?

A bank offers its own loans. As a broker, I compare many lenders to find the loan that fits you best. That means more options and a better chance at the right rate and terms for your situation.

How long does the loan process take?

Most loans close in about 30 days, though it can be faster or slower depending on your situation. I stay proactive and keep you updated so there are no surprises along the way.

Getting Started

Credit and Qualification

Specialty Programs

Working with Sherry Jenkins

Licensing

Sherry Jenkins
NMLS#1562382.

Verify licensing at www.nmlsconsumeraccess.org.

State Mortgage Loan Originator Licenses

LO-2005141

MLO-2081562382

Lender Express Mortgage LLC is a licensed mortgage broker, not a lender. Loan programs, rates, and eligibility requirements are subject to change and vary by borrower.