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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
Tessa Doherty
- Outside Loan Originator
- Rockville, MD Mortgage Loan Officer
- NMLS #462659
I’ll be with you every step of the way
Hello! My name is Tessa Doherty, and I’m excited to be your loan officer! I’ve been in the lending industry since 1999. After serving in the Military, I started in banking and landed in home financing in 2002. My years of experience have taught me that each loan is unique to your goals, circumstances, and priorities. Maybe a conventional mortgage will meet your requirements. Perhaps a jumbo loan is a better fit for your big dreams. Or you could qualify for programs like FHA, USDA or VA. Whether you’re purchasing, renovating or refinancing, America’s #1 Retail Mortgage Lender offers a product for your plans.
My consideration for you doesn’t end after finding a mortgage. From pre-approval to closing and beyond, I’ll always answer your questions and make sure your home loan continues to benefit you. I look forward to starting your home financing journey.
On a personal note, I currently call Winchester, VA, home with my husband and fur babies. When I’m not in the office, I can be found helping clients from my camper in the woods!
Guides and resources
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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.