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Your Local CrossCountry Mortgage Loan Officer

Elizabeth Janes

  • Mortgage Consultant
  • Greenwood, IN Mortgage Loan Officer
  • NMLS #198733

My team and I will help you win your bid

Hello, I’m Elizabeth, and having a home you can truly call your own is a big step toward achieving your financial goals. I have over 20 years of experience in the housing industry in various fields, including new home sales and operations, and I’m now in my thirteenth year of originating. I’m also flexible and creative enough to make the mortgage process faster and easier for you, even if your situation’s a bit complicated.

Whether you’re buying or refinancing, I will:

  • Explain every detail of your home loan.
  • Keep things on track through every step of the process.
  • Make sure you get to the closing table as quickly as possible.

I look forward to earning your continued business and referrals with a higher level of service than any other loan officer out there, backed by America’s #1 Retail Mortgage Lender!

Outside of work, I enjoy spending time with my family in Greenwood, IN, enjoying movies, hobbies and crafts. My husband Jeremy and I have been married since 2012.

Better Business Bureau Award Scotsman Guide Top Workplaces 2026 Mortgage Executive Top 50 Mortgage Companies In America 2023 Award 2025 Scotsman Guide Top Mortgage Lenders Award 2025 The Plain Dealer Top Workplaces Award

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.

A family takes their first family photo on the porch of their new home thanks to CCM Smart Start.
A woman in her home office is excited to learn about down payment assistance options.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

First-Time Homebuyers – Get up to $4,000!

There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience! 

CCM Smart Start will contribute up to $4,000 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $4,000) for the down payment so your homeownership dream can come to life. 

For terms and conditions, visit crosscountrymortgage.com/mortgage/loans/down-payment-assistance/ccm-smart-start/

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

Learn more

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Elizabeth’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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Frequently asked questions

  • 1. Pre-qualify for a home loan

    2. Check your credit report

    3. Meet with a CCM loan officer

    4. Establish your homebuying budget

    5. Get pre-approved

    6. Work with a real estate agent

    7. Find your dream home

    8. Submit your mortgage application

    9. Make an offer

    10. Get a home inspection

    11. Close your loan

    12. Move into your home!

  • It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.

  • It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.

    At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.

  • First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.

    Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.

  • That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.

  • Before you find your dream home, it will help to have:

    • Your credit score
    • Proof of employment and income
    • Cash or assistance for a down payment
    • The right loan
    • A homebuying budget
    • An expert real estate agent
    • Your dedicated CCM loan officer

  • Refinance costs vary, but typically range from 2% to 6% of your loan amount. For example, refinancing a $300,000 mortgage may cost $6,000–$18,000. Costs include appraisal, title and lender fees. A CCM loan officer can help calculate your break-even point and long-term savings.

  • A cash-out refinance lets you replace your current mortgage with a new one for more than you owe — taking the difference in cash. Use it for renovations, debt consolidation, tuition, or unexpected expenses by tapping into your home’s equity.

  • Refinancing makes sense when you can lower your interest rate, shorten your loan term, switch to a fixed rate or access equity for cash. If your current mortgage no longer fits your financial goals, it may be time to refinance.

  • To refinance, meet with a CCM loan officer, review your credit, apply for your new loan and submit required documents. After approval, you’ll schedule a closing and start fresh with your new mortgage terms and payment structure.

  • You can typically refinance after six months, but timing depends on loan type, lender and your financial situation. A CCM loan officer can help determine if now’s the right time based on your equity, credit and current interest rates.

I’d love to hear from you.

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