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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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- Olympia, WA
Your Local CrossCountry Mortgage Loan Officer
Kyle Johnson
I’ll be with you every step of the way
Hello! I’m Kyle Johnson, Branch Manager and top-producing loan officer with CrossCountry Mortgage. Since 2012, I’ve built my career on the belief that clients deserve clarity, confidence, and an advisor who genuinely cares. I focus on effective communication and strategic financial guidance to make the home-buying process simple, transparent, and tailored to each client from start to finish.
Named one of the nation’s Top 1% Mortgage Originators by Mortgage Executive Magazine and a top 10 VA originator in volume by Scotsman Guide, CCM and I proudly serve clients across all 50 states. I am supported by a highly skilled team known for speed, precision, and going all in for every client. Whether you are a first-time buyer, building wealth through real estate, or navigating a complex financial profile, I bring deep experience, creative mortgage strategies, and a personal commitment to getting it right.
No two clients are the same, and that is exactly why I love what I do. With more than 2,000 families served and over 300 helped this year, I am here to understand your goals, offer honest guidance, and help you choose the mortgage strategy that truly fits your life. I would be honored to guide you home.
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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
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.