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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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- First-Time Homebuyers
- Purchase
- Refinance
Krystal Rivera
- Loan Officer
- New Windsor, NY Mortgage Loan Officer
- NMLS #2634970
America’s #1 Retail Mortgage Lender
Hello! My name is Krystal. As a real estate broker turned loan officer, I bring a unique and strategic perspective to home financing. With years of experience on both sides of the transaction, I understand what it takes to write strong offers, guide homebuyers through market dynamics and align financing with long-term homeownership goals. I’m able to advise clients not only on their loan options but on how to structure offers that appeal to sellers — because I’ve worked at that side of the table.
As a bilingual loan officer fluent in English and Spanish, I’m passionate about expanding access to homeownership and ensuring every client feels informed, empowered and supported every step of the way. At America’s #1 Retail Mortgage Lender, I have the tools and resources to provide a truly personalized process.
Whether you’re buying your first home, refinancing or working with clients as a real estate agent, I’m here to be your trusted mortgage partner.
Guides and resources
Should I buy a house or keep renting?
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.
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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.