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Tom Kuhn, Spokane, WA Branch Manager

Our Promise

At Cherry Creek Mortgage, there are no gimmicks. We value people above all else. We believe the best mortgage outcomes start with the best people.

For every customer and partner who walks through the door, we make this promise and we stick to it.

Our Vision

We play a significant role in serving America’s home ownership needs. In this process, we aspire to meet and exceed your expectations by delivering specialized services to help you find the right loan that meets your specific needs. We strongly believe, that this kind of service should be the standard for excellence in the mortgage industry.

Good words from clients

  • I am pleased to recommend Tom Kuhn and the entire staff at Cherry Creek Mortgage. I have worked with them for many years both on my personal mortgage and dozens of mutual customers. Cherry Creek delivers a level of professionalism not often seen in today's business environment. In my business I deal with lots of mortgage companies but I choose to do business with Cherry Creek Mortgage.
    Gary B. Home buyer

Your Spokane Mortgage Expert

The Spokane branch of Cherry Creek Mortgage Co. is committed to serving the needs of the Spokane community and surrounding areas.

We specialize in VA and FHA loans and have a variety of options to help you finance your first home, your next home, or to refinance your existing mortgage. Ask about down payment options and down payment assistance for eligible buyers.

If you have ever considered purchasing, whether it is your first home, move up home or even thought of purchasing for an investment now may be the time! There are a variety of loan products on the market we offer competitive rates and fees!

We are committed to helping you find the right mortgage product for your needs because we understand that every borrower is different.

Our goal is to make the process of securing a mortgage simple and straight-forward by offering you the latest in financial tools that enable you to make sound financial choices whether you are thinking of a long term fixed rate or a short term ARM. We can help guide you to the right loan to fit your financial needs.

We will walk you through the process from start to finish because your happiness is our number one goal! Our job is not only to assist you with an immediate need for home financing, but also to be sure we are looking at what is best for you down the road.

To contact Tom Kuhn, please email

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How do I know how much house I can afford?

The amount that you can borrow will depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are able to make. You may also be able to take advantage of special loan programs for first time buyers. Give us a call, and we can help you determine exactly how much you can afford.

How do I know what type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Cherry Creek Mortgage can help you evaluate your choices and help you make the most appropriate decision.

How is an index and margin used in an ARM?

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

How much cash will I need to purchase a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

Earnest Money: The deposit that is supplied when you make an offer on the house

Down Payment: A percentage of the cost of the home that is due at settlement

Closing Costs: Costs associated with processing paperwork to purchase or refinance.

What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include three separate parts:

Principal: Repayment on the amount borrowed

Interest: Payment to the lender for the amount borrowed

Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like mortgage insurance, hazard insurance, and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest rate can change after a specified period of time. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.