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Your Local CrossCountry Mortgage Loan Officer

Kelly O’Sullivan

  • Originating Branch Manager
  • Berkeley, CA Mortgage Loan Officer
  • NMLS # 349711
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I’ll be with you every step of the way

Hi, I’m Kelly! With 18 years of experience in the mortgage business, I’ve worked through many different markets and helped clients in Berkeley, CA achieve their homeownership dreams with America’s #1 Retail Mortgage Lender.

What sets me apart is my commitment to providing exceptional service to a diverse range of clients. From first-time homebuyers to move-up buyers and investors, I’ve successfully navigated through various challenging scenarios. One of my specialties is down payment assistance for homebuyers, and I’m a certified lender with the CalHFA program and AC Boost. I understand the importance of making homeownership accessible and affordable, and I’m dedicated to helping those who may not think it’s possible to buy a home.

In life, I try to be a well-rounded mom, colleague, and friend. I enjoy the wilderness (I climbed Half Dome in Yosemite!), traveling, sports, and watching live comedy. Last year, my family and I visited Ireland and France – the kids loved the pain au chocolat!

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Better Business Bureau Award 2025 Scotsman Guide Top Mortgage Lenders Award Scotsman Guide Top Workplaces 2026 2025 The Plain Dealer Top Workplaces Award

How much will your mortgage payment be?

Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.

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.

A daughter hugging her mother while she is researching mortgage opportunities in their home.
Neutral living room with fireplace.
Man relaxing on couch in living space reads about Bye-Bye PMI product on cell phone.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Get Pre-approved

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Save on Your Mortgage Every Month

Say Bye-Bye PMI 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI). 

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

Start here

Kelly’s Reviews

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It’s your time to buy.

Homebuying is always in season. You may be thinking of a first home. Or it could be time for a vacation home or investment property. Start now with a pre-approval and you’ll be ready to buy when you see what you want. No matter the home, we’ve got the loan.

Inspiration for your home loan journey

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Types of Homes: Find Your Home Style

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Down Payment: How Much Do You Need for a House?

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I’d love to hear from you.

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