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1 Chase Corporate Drive, Suite 400 Office 456 Birmingham, AL 35244 Mobile (205) 790-7836 Tel (205) 961-5411 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Amber Brittain
- Originating Branch Manager
- Birmingham, AL Mortgage Loan Officer
- NMLS #459933
I’ll be with you every step of the way
Hello! I’m Amber, your dedicated originating branch manager at the Birmingham, AL branch of America’s #1 Retail Mortgage Lender. I joined the mortgage industry in 2006 to provide exceptional customer service and guide clients through their homebuying journey. I’ve since been recognized as a Scotsman Guide Top Originator four years in a row. From start to finish, I’ll provide clear, consistent communication and education to ensure you know your options and feel confident every step of the way. I offer a selection of comprehensive mortgage solutions, including conventional, VA, FHA, USDA and specialized programs for first-time homebuyers, second homes, investment properties and refinances. Together, we’ll find the right loan for you. I believe in building relationships based on trust. My clients and partners consistently praise my advocacy, responsiveness and professionalism. When you work with friends like me, even the most complicated situations can feel easy to navigate.
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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.