Kyte Team
Your Future Our Focus
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- Divorce
- Down Payment Assistance
- Purchase
- Refinance
Dedicated to getting it done
Navigating divorce is challenging, but with a professional team, including a CDLP, it becomes more manageable. Don’t wait until the full swing of the divorce process to involve a CDLP. Contact The Kyte Team, part of America’s #1 Retail Mortgage Lender, for a free consultation to discuss your unique situation. With 25 years of mortgage experience, I’m committed to supporting you and your family throughout the divorce process, ensuring long-term success. There is no charge for my work as a CDLP, and my goal is to help you move forward with confidence and peace of mind.
A smooth experience starts with communication. From our first conversation to closing, I’m committed to being there for you, always answering your questions and letting you know what’s happening with your mortgage. Communication promotes confidence – and I want you to feel confident every step of the way.
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Guides and resources
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
Karla’s testimonials
Meet our team
Karla Kyte
- Originating Branch Manager
- NMLS #263661
- 4610 South Ulster Street
- Suite 300
- Denver, CO 80237
- [email protected]
- mobile 303-525-9077
Kelsi Arrieta
- Branch Manager
- NMLS #1843024
- 4610 South Ulster Street
- Suite 300
- Denver, CO 80237
- [email protected]
- mobile 303-525-9077
Our support staff
Kerri Noda
Mortgage ConsultantJoin our team callout
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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.