-
- 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
-
- Purchase
- Refinance
Rachel Brillhart-May
- Executive Vice President
- Columbus, OH Mortgage Loan Officer
- NMLS #249997
I’ll be with you every step of the way
Hi, I’m Rachel. I joined my team in 1994 as a support member and quickly wanted to learn every facet of the industry. Decades of experience as a CONV, FHA DE, and VA SAR underwriting have given me the knowledge I’m excited to put to work for you! Now, as a senior loan officer at our Columbus, OH branch at America’s #1 Retail Mortgage Lender, I’m also the CMBA Board President and have been recognized as a CMBA President Club Member, Top Producing Loan Officer, and the recipient of the CMBA Top Loan Officer Award.
When you work with me, know I’ll never say no. I say when and how, using my experience to find the right loan for your dream home. I specialize in many mortgage programs, including conventional, USDA, FHA, VA, condo financing, and non-qualified mortgages. I’m always available to answer your questions and am dedicated to making your mortgage feel like a win.
My whole world revolves around my 2-year-old, Oliver, and my husband, Don – another Top Producing Loan Officer. I love giving back to the communities we serve.
Rachel’s testimonials
Guides and resources
My social posts
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.
Inspiration for your home loan journey
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.
-
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.
-
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.
-
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.
-
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.