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- monday: 8:30AM – 5:00PM
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- FHA Loan
- First-Time Homebuyers
- Investment Property
- Purchase
- Refinance
Richard Kimball
I’ll be with you every step of the way
Hi, I’m Rich Kimball. With over 30 years of mortgage experience, I’ve helped thousands of families turn homeownership dreams into reality. As the branch manager in Elk Grove Village, IL, I lead a dedicated team that puts people first — because every client deserves more than just a loan, they deserve a long-term partner.I take the time to understand each client’s goals, challenges and what “home” really means to them. That personalized approach has allowed me to build lifelong relationships and deliver tailored mortgage solutions that truly fit. As part of America’s #1 Retail Mortgage Lender, I’m able to offer a wide range of products to meet your unique goals — whether you’re buying your first home, upgrading or refinancing.Let’s work together to make your next move simple, stress-free and successful.When I’m not working, you’ll find me spending time with my wife, Christine, cheering on my favorite teams, cruising on my Harley or trying to win big at the poker table.
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Calculate how much you can save if you refinance your mortgage
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.