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- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
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- Purchase
- Refinance
- Reverse Mortgage
- VA Loan
Kathleen Spicuzza
I’ll be with you every step of the way
Hi, I’m Kathleen, known to many as the “Red Hot Loan Lady.” With more than 20 years of experience in the mortgage industry, I leverage my expertise to empower individuals and families to achieve financial success. I serve clients primarily in Las Vegas, Arizona, Florida, Tennessee, and California. My experience ranges from assisting first-time homebuyers to move-up buyers and Veterans, guiding anyone I can on their homeownership journey.
I specialize in refinancing solutions to help you manage debt, reduce monthly payments, create cash flow, or expedite your mortgage term. As the education director and board member of the Veterans Associate of Real Estate Professionals (VAREP) for Las Vegas, I educate real estate agents and lenders on the nuances of VA home loans. My passion extends to advising on leveraging home equity through reverse mortgages, creating a robust financial future in retirement.
Your financial well-being is my priority, and I can help you build wealth and manage debt effectively at America’s #1 Retail Mortgage Lender.
Kathleen’s testimonials
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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.