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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
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Your Local CrossCountry Mortgage Loan Officer
Aimee Merritt
- Senior Loan Originator
- Fairfield, CT Mortgage Loan Officer
- NMLS # 418848
I’ll be with you every step of the way
Hello! I’m Aimee Merritt, a Connecticut Five Star Mortgage Professional who has been recognized as one of the top 1%-2% in the state for 12 years. With over 20 years of experience with conventional, portfolio, jumbo, FHA and VA home loans, I’m dedicated to helping you achieve your homeownership dreams.
Previously, my superior management experience included:
- The Spirit of New York
- Sounds of Brazil
- Iridium Restaurant & Jazz Club (NYC)
- Café Europa (NYC)
- California Pizza Kitchen (Corp. and NYC)
- The Reading Room (RI)
- The Conanicut Yacht Club (RI)
While applying for my own mortgage, I was hired as a loan originator. I’m able to uniquely relate to my clients while guiding them seamlessly through buying their home.
Growing up, I was Texas All-State in basketball and played in the CT AAU Jr. Olympics and for Colby College. Outside of work, I’m active in the community as a member of MFCAR, Second Company Governor’s Horse Guard (Retired), and the Newbury Business Group. I enjoy hiking, kayaking, riding horses, live music, entertaining, and traveling.
Aimee’s Reviews
Guides and resources
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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.