Your Blaine, Minnesota mortgage experts
Your Future Our Focus
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- Purchase
- Refinance
Weu2019ll be with you every step of the way
As Americau2019s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, weu2019re dedicated to one thing: You.
Home financing is more than a single loan u2013 itu2019s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, weu2019re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood youu2019re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
Guides and resources
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
Reyna’s testimonials
Meet our team
Kristi Thompson
- Loan Officer
- NMLS #376986
- 12301 Central Ave NE Suite 201
- Blaine, MN 55434
- [email protected]
- mobile 612-991-3678
- tel 612-416-2375
- fax 612-416-2376
Reyna Rousseau
- Originating Branch Manager
- NMLS #1023824
- 12301 Central Ave NE Suite 201
- Blaine, MN 55434
- [email protected]
- mobile 651-226-4863
- fax 763-297-2111
Krissy Koolmo
- Outside Loan Originator
- NMLS #108326
- 12301 Central Ave NE Suite 201
- Blaine, MN 55434
Brenna Hoberg
- Loan Originator
- NMLS #2082958
- 12301 Central Ave NE Suite 201
- Blaine, MN 55434
- [email protected]
- mobile 763-229-1818
- fax 763-297-2111
Shawn Rancourt
- Mortgage Loan Consultant
- NMLS #480207
- 12301 Central Ave NE Suite 201
- Blaine, MN 55434
- [email protected]
- mobile 651-357-7063
Kristin Wilson
- Loan Officer
- NMLS #275635
- 12301 Central Ave NE Suite 201
- Blaine, MN 55434
- [email protected]
- mobile 651-485-1613
- tel 651-237-4768
- fax 952-487-8757
Karina Ochoa
- Mortgage Consultant
- NMLS #2434488
- 12301 Central Ave NE Suite 201
- Blaine, MN 55434
- [email protected]
- mobile 763-516-7108
Julia Hill
- Sales Manager
- NMLS #403732
- 12301 Central Ave NE Suite 201
- Blaine, MN 55434
- [email protected]
- mobile 321-759-1257
- tel 701-570-7141
Our support staff
Sami Artz
Loan Processor
Paula Ackerland
Senior Client Care Coordinator
Laura Miron
Senior Loan OfficerMy social posts
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.