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- First-Time Homebuyers
- Purchase
- Refinance
Kevin Patrick
Your biggest decision is my biggest passion
Hello! I’m Kevin, Senior Vice President of Mortgage Lending at America’s #1 Retail Mortgage Lender. My passion for home financing began in 2013, when I went through the homebuying process myself. That experience inspired me to help others navigate the journey with confidence, and I’ve been committed to doing just that ever since. In 2024 alone, I had the privilege of closing over $40 million in loans, making homeownership a reality for many happy buyers.
My team and I pride ourselves on building strong, personal relationships with our clients. We specialize in working with first-time homebuyers and strive to be a trusted local resource for all things homeownership, investing, and financial growth. Whether you’ve already found your dream home or aren’t sure where to start, we’re here to guide you every step of the way.
On a personal note, I’ve been happily married for 10 years and have a five-year-old. When I’m not working, you’ll find me on the golf course or enjoying quality time with friends and family.
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
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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.