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  • 12301 Central Ave NE Suite 201 Blaine, MN 55434 Mobile (763) 229-1818 [email protected]
    • monday: 8:00AM – 5:00PM
    • tuesday: 8:00AM – 5:00PM
    • wednesday: 8:00AM – 5:00PM
    • thursday: 8:00AM – 5:00PM
    • friday: 8:00AM – 5:00PM
    • FHA Loan
    • First-Time Homebuyers
    • Purchase
    • Refinance
    • VA Loan

Your Local CrossCountry Mortgage Loan Officer

Brenna Hoberg

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  • Loan Originator
  • Blaine, MN Mortgage Loan Officer
  • NMLS #2082958
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I’ll be with you every step of the way

With deep roots in the Twin Cities, MN, and the Chippewa Valley, WI, I’m proud to serve clients across Minnesota, Wisconsin, Missouri, Michigan, and Colorado. Whether you’re buying your first home, refinancing, or investing in property, my team and I bring over 25 years of combined experience to make your journey as smooth as possible.

We’re more than just a mortgage team — we’re family. Many of us are literally related, and we treat every client like one of our own. From our first conversation to closing day, you’ll have a team that listens, guides, and celebrates right alongside you.

Wherever you’re starting from and wherever you’re headed, we’re here to help you feel confident, cared for, and at home.

Ready to take the first step toward your homeownership dreams? Reach out to me and make your mortgage a win with America’s #1 Retail Mortgage Lender!

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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 family takes their first family photo on the porch of their new home thanks to CCM Smart Start.
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

First-Time Homebuyers – Get up to $5,250!

There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience! 

CCM Smart Start will contribute up to $5,250 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $5,250) for the down payment so your homeownership dream can come to life. 

For terms and conditions, visit crosscountrymortgage.com/mortgage/loans/down-payment-assistance/ccm-smart-start/

Get Started

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. 

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Inspiration for your home loan journey

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USDA-eligible rural white farmhouse with dormer windows and a front porch, surrounded by field of wildflowers.

USDA Property Eligibility Map 2025

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A white cottage with black front door and fall decor, a home secured with earnest money during the homebuying process.

What Is Earnest Money?

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What Is a Good Credit Score?

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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  • To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.

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  • A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.

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  • A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.

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  • To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.

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