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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
Your Local CrossCountry Mortgage Loan Officer
Nikki Saccullo
- Senior Mortgage Advisor
- Newport Beach, CA Mortgage Loan Officer
- NMLS #93401
I’ll be with you every step of the way
Hello! I’m Nikki Saccullo, a dedicated loan officer with over 22 years of experience helping clients navigate one of life’s biggest financial decisions: homeownership. Known for my clear communication and personalized approach, I’m committed to making home financing smooth, stress-free and fully transparent.
When it comes to finding the right home financing for you, I start by listening. I specialize in a wide range of loan products, including VA, FHA, USDA, jumbo, construction and conventional programs. Whether you’re buying, building or refinancing, America’s #1 Retail Mortgage Lender offers a product for your plans.
After starting my career in Seattle, I returned to my hometown of Santa Cruz in 2011, where I continue to serve our community with care and experience. My client-first mindset has earned the trust of countless homeowners and a steady stream of referrals. I truly love what I do — and it shows.
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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
Nikki’s testimonials
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.