-
- monday: 8:00AM – 8:00AM
- tuesday: 8:00AM – 8:00PM
- wednesday: 8:00AM – 8:00PM
- thursday: 8:00AM – 8:00PM
- friday: 8:00AM – 8:00PM
- saturday: 9:00AM – 7:00PM
- sunday: 10:00AM – 5:00PM
-
- Divorce
- Purchase
- Refinance
- Renovation Loan
- Reverse Mortgage
Mary Murray
- Loan Advisor, Reverse Mortgage Certified
- Bigfork, MT Mortgage Loan Officer
- NMLS #289117
I’ll be with you every step of the way
Hello, I’m Mary, and not everyone finds their dream job right off the bat – but I’m glad I found mine! I originally started in banking finance and operations but transitioned to the mortgage industry as a loan officer in 1997. Now, with over two decades of experience, I work as a trusted loan advisor in our Bigfork, MT branch at America’s #1 Retail Mortgage Lender.
Using my accounting and financing background, I’ll guide you through the mortgage process. I understand each mortgage is unique and excel at working with complex financial scenarios. We’ll work together to review financing options like reverse mortgages, FHA, VA, USDA, and conventional home loans to make your homeownership dreams a reality.
Off the clock, I love to travel, ski, and play on the lake with my husband and family. I grew up in Northwest Montana, graduated from high school in Helena, and attended college in Missoula. After completing my MBA at Pepperdine University in Los Angeles, I’m happy to now help my community in the place I know as home.
Mary’s testimonials
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
-
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.
-
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.
-
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.
-
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.
-
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.