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2810 N Swan Road, Suite 160 Tucson, AZ 85712 Mobile (520) 609-5761 Tel (520) 239-4432 [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
Brogan Kemmerly
- Regional Vice President
- Tucson, AZ Mortgage Loan Officer
- NMLS #1374896
I’ll be with you every step of the way
Hi, I’m Brogan Kemmerly, a Tucson, Arizona native and former college football standout who brought my talents to the mortgage industry. As a state-certified instructor, I teach numerous courses for mortgage and real estate professionals. I’m well-versed in loan programs and dedicated to getting it done. While committed to serving my Arizona community, my expertise goes beyond one state. I’m a frequent guest on shows like “Your Money Matters” and “The Morning Blend” and am licensed in AZ, CA, TX, CO, IL, WA, OR, and NM.
Whether you’re buying your first home, looking for down payment assistance, or considering an FHA or VA loan, I offer specialized knowledge to get your loan to closing. From our first conversation, you can count on me to be available 24/7 for meaningful, consistent service. Outside of work, I enjoy college and pro football, trips to the gym, and playing sports. Let’s make your homeownership dreams a reality with America’s #1 Retail Mortgage Lender. Call today to get started!
Brogan’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.