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30 Lower Valley Road, Suite 1 Kalispell, MT 59901 Mobile (406) 210-2757 Tel (406) 407-7040 [email protected]
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- 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
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- Purchase
- Refinance
Annika Harris
I’ll be with you every step of the way
Hi, I’m Annika, a highly experienced mortgage lender with over 16 years of expertise in the real estate industry. Based in Kalispell, Montana, I’m known for exceptional customer service and dedication to helping clients achieve their homeownership goals. My expertise extends to various mortgage products, including conventional, FHA, VA, and jumbo loans. I’ll work closely with you to understand your unique needs and financial situation, providing a tailored solution to achieve your goals. Let’s work together to make your homeownership dreams a reality with America’s #1 Retail Mortgage Lender.
Outside of work, I love spending time with my husband and two kids, exploring the great outdoors of Montana. I’m an avid gardener and enjoy hiking, camping, and fishing with my family. I’m also deeply committed to the community and regularly volunteer with local organizations. This dedication to my clients and our community has earned me a reputation as a trusted advisor and valued member of the real estate industry in Montana.
Annika’s testimonials
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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
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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.