Skip to content
Andrew Watson photo

Your Local CrossCountry Mortgage Loan Officer

Andrew Watson

  • Senior Loan Officer
  • Lacey, WA Mortgage Loan Officer
  • NMLS # 2260761
Apply Now See What I Qualify For

I’ll be with you every step of the way

Hi, I’m Andrew Watson, and I’m dedicated to helping individuals, families, Veterans, first-time homebuyers and investors navigate home financing with confidence and clarity. With more than 16 years of experience in the financial industry, I bring knowledge, strategy and personalized service to every client. I’m licensed in Idaho, Washington and Montana, proudly serving clients throughout the Northwest with America’s #1 Retail Mortgage Lender.

Buying a home is one of the biggest financial decisions you’ll make, and having the right loan officer by your side can make all the difference. I specialize in a wide range of loan programs, including conventional, FHA, VA, USDA, jumbo and many more. I’m also a Non-QM loan expert, helping self-employed borrowers, business owners, investors and traditional buyers alike explore financing solutions that go beyond the norm.

I proudly work alongside my wife as part of Team Watson, serving our community with faith, integrity and a people-first mindset.

See What I Qualify For

Andrew’s reviews

Leave a Review See more testimonials

My Videos

My social posts

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

Get Started – Fixed Get Started – Flex

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Inspiration for your home loan journey

View All

Testing Sale Pending Image crop

Learn More

What Are Conforming Loan Limits?

Learn More

Young People Are Struggling to Buy Homes — But Some States Tell a Different Story

Learn More

Frequently asked questions

I’d love to hear from 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 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.