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4068 Rural Plains Circle, Suite 140 Franklin, TN 37064 Mobile (615) 878-6331 Tel (615) 234-0424 [email protected]
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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 – 4:30PM
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- Construction Loan
- Down Payment Assistance
- First-Time Homebuyers
- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Beth Dodgins
- Originating Branch Manager
- Franklin, TN Mortgage Loan Officer
- NMLS #900020
America’s #1 Retail Mortgage Lender
Hello! My name is Beth. With over 24 years of experience in the mortgage industry, I’ve dedicated my career to helping clients achieve their homeownership dreams. Starting as a loan officer, I’ve built a strong foundation in guiding borrowers through every step of the mortgage process. Today, as a branch manager of the Dickson, TN branch of America’s #1 Retail Mortgage Lender, I lead a team of talented professionals, focusing on providing exceptional service, strategic solutions and a smooth lending experience.
I take pride in mentoring new loan officers and fostering a culture rooted in integrity, communication and client success. Our team offers a wide range of loans tailored to individual goals, including conventional, VA, FHA and USDA. Whether you’re buying your first home, refinancing or expanding your investment portfolio, my goal is to make the process seamless and stress-free.
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.
Beth’s testimonials
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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.