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- monday: 8:00AM – 8:00PM
- tuesday: 8:00AM – 8:00PM
- wednesday: 8:00AM – 8:00PM
- thursday: 8:00AM – 8:00PM
- friday: 8:00AM – 8:00PM
- saturday: 8:00AM – 8:00PM
- sunday: 8:00AM – 8:00PM
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- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Molly Barndt
- VP of Mortgage Lending
- Chicago, IL Mortgage Loan Officer
- NMLS #2236749
America’s #1 Retail Mortgage Lender
Surrounded by a family of mortgage professionals, I initially took a different path — earning a Master of Business Administration in supply chain management and becoming a professor. Years of overhearing mortgage talk at family gatherings led me to switch from the classroom to the closing table five years ago. Today, as Vice President of Mortgage Lending at CrossCountry Mortgage, my gift for teaching helps guide clients through every step in home financing.
I specialize in luxury purchases, investment properties and physician loan programs. My product knowledge spans from jumbo loans to construction financing, bank statement loans, bridge loans and HELOCs.
Known for my realistic, down-to-earth approach and ability to break down complex financial concepts, I thrive on responsiveness. Working evenings and weekends, and answering texts after hours, I adapt to your communication style. You’ll benefit from my accessibility, clarity and commitment to making your process as smooth as possible.
Molly’s testimonials
Guides and resources
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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.