-
- 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
Your Local CrossCountry Mortgage Loan Officer
Kathy Vasel
I’ll be with you every step of the way
Hi, my name is Kathy Vasel, and I’m excited to help you open the doors to your dream home! As a dedicated loan officer at our Andover, MA branch, I’m here to guide you through the homebuying process at America’s #1 Retail Mortgage Lender.
I’ve been a trusted adviser in the business since 2004, known for taking the confusion out of lending and developing lifelong clients. My efficient, seamless process ensures that clients making a monumental step toward homeownership get the best loan options and competitive rates. I’m an honest, transparent communicator who listens to clients’ financial goals and provides guidance every step of the way.
Whether you’re looking to buy or refinance, you can be confident I’ll provide the expertise and personal service you deserve. I specialize in luxury properties, first-time buyers, relocation, separation, renovation, and VA loans. I look forward to working with you!
Kathy’s testimonials
My Videos
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
-
1. Pre-qualify for a home loan
2. Check your credit report
3. Meet with a CCM loan officer
4. Establish your homebuying budget
5. Get pre-approved
6. Work with a real estate agent
7. Find your dream home
8. Submit your mortgage application
9. Make an offer
10. Get a home inspection
11. Close your loan
12. Move into your home!
-
It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.
-
It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.
At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.
-
First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.
Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.
-
That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.
-
Before you find your dream home, it will help to have:
- Your credit score
- Proof of employment and income
- Cash or assistance for a down payment
- The right loan
- A homebuying budget
- An expert real estate agent
- Your dedicated CCM loan officer
-
Refinance costs vary, but typically range from 2% to 6% of your loan amount. For example, refinancing a $300,000 mortgage may cost $6,000–$18,000. Costs include appraisal, title and lender fees. A CCM loan officer can help calculate your break-even point and long-term savings.
-
A cash-out refinance lets you replace your current mortgage with a new one for more than you owe — taking the difference in cash. Use it for renovations, debt consolidation, tuition, or unexpected expenses by tapping into your home’s equity.
-
Refinancing makes sense when you can lower your interest rate, shorten your loan term, switch to a fixed rate or access equity for cash. If your current mortgage no longer fits your financial goals, it may be time to refinance.
-
To refinance, meet with a CCM loan officer, review your credit, apply for your new loan and submit required documents. After approval, you’ll schedule a closing and start fresh with your new mortgage terms and payment structure.
-
You can typically refinance after six months, but timing depends on loan type, lender and your financial situation. A CCM loan officer can help determine if now’s the right time based on your equity, credit and current interest rates.