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100 West Main Street, Suite 415 Lansdale, PA 19446 Mobile (610) 291-0409 Tel (267) 805-1935 [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 – 5:00PM
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- Purchase
- Refinance
Kimberly Kozelsky
- Originating Branch Manager
- Lansdale, PA Mortgage Loan Officer
- NMLS #409774
I’ll be with you every step of the way
Hi, my name is Kimberly Kozelsky, and I’m excited to help you open the doors to your dream home! As a branch manager at our Auburn, AL branch, I’m proud to guide you through the homebuying process at America’s #1 Retail Mortgage Lender.
I understand how to identify a mortgage program customized to each buyer’s unique needs. With expertise in the entire mortgage process, I’m committed to providing every customer and business partner with the highest level of service and professionalism. My dedication to excellence and high standards for customer satisfaction make the mortgage process pleasant and easy for everyone involved.
Whether you’re refinancing your current home or purchasing a new one, I’m here to provide outstanding service and individualized options to help you achieve the American dream of homeownership. Let’s make it happen today!
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.
Kimberly’s testimonials
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.