Your Kingsport, Tennessee mortgage experts
Your Future Our Focus
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- monday: 8:30AM – 5:30PM
- tuesday: 8:30AM – 5:30PM
- wednesday: 8:30AM – 5:30PM
- thursday: 8:30AM – 5:30PM
- friday: 8:30AM – 5:30PM
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- Purchase
- Refinance
We’ll be with you every step of the way
With our team in Kingsport, TN, we are more like family. We work together ensuring we put our customers first, then using our knowledge and expertise in finding them the right financing for their home. We offer a variety of products through America’s #1 Retail Mortgage Lender, including government loans and reverse mortgages. Our team can take the worry and stress out of buying a home. With our 80 years of combined experience, dedication and passion for what we do, our customers can be ensured they will receive the best personalized service while obtaining the ideal loan. Because we each have our own role, our team can help you with individual expertise – creating a home loan process that moves from milestone to milestone with ease. Trust us to give you an outstanding mortgage experience.
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
Russell’s testimonials
Meet our team
Russell Street
- Originating Branch Manager
- NMLS #148950
- 109-111 W. Market Street
- Kingsport, TN 37660
- [email protected]
- mobile 423-292-2126
- tel 423-246-2126
- fax 423-408-1431
Our support staff
Tammy Street
Senior Loan ProcessorCatherine Ashworth
Loan PartnerMy social posts
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.