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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Your Local CrossCountry Mortgage Loan Officer
Brenda Layton
- SVP of Mortgage Lending
- Colorado Springs, CO Mortgage Loan Officer
- NMLS # 2047555
I’ll be with you every step of the way
Hi, my name is Brenda Layton. As a trusted loan officer with America’s #1 Retail Mortgage Lender, I believe your home financing journey deserves clarity, confidence and care. From interest rates to down payments, every aspect of your home loan matters. The right mortgage plan leads to one result: securing you a place to call home so you can build wealth with real estate.
With a background in mathematics from the University of Colorado, I help you make sense of the numbers so you can make empowered decisions. By taking time to understand your short and long-term goals, I’ll ensure your home financing feels transparent and tailored — whether you’re a first-time buyer, navigating a life transition or using your VA benefits to build stability for your family.
Having grown up in a Military household, I take special pride in serving Active-Duty Service Members, Veterans and Families in transition. You can count on me for guidance that’s equal parts strategic and sincere — a mortgage experience built around you
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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.
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.