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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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- Conventional Loan
- FHA Loan
- First-Time Homebuyers
- Non-QM Loans
- VA Loan
Kathy Johnson
- Originating Branch Manager
- Houston, TX Mortgage Loan Officer
- NMLS #1402120
I’ll be with you every step of the way
Hi, I’m Kathy, based in Houston, TX. I’m an experienced loan officer with an impressive track record spanning over a decade in the mortgage industry. Licensed in over 40 states, I have a deep understanding of the complex and ever-evolving world of home financing. Known for my commitment to excellence in customer service, I go above and beyond to ensure you get personalized guidance throughout the loan process.
With a passion for helping people realize their homeownership dreams, I stand out as a dedicated and knowledgeable mortgage professional. My expertise extends across various loan programs, including conventional, FHA, and VA loans, making me a versatile professional capable of meeting your unique goals. As part of America’s #1 Retail Mortgage Lender, I will take every step necessary to ensure you get the keys to your home. Together, we will make your dream of homeownership a reality.
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.
Inspiration for your home loan journey
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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.