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17550 N Perimeter Drive, Suite 370 Scottsdale, AZ 85255 Mobile (602) 826-1581 Tel (480) 805-8354 [email protected]
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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
Kristy Shriver
- Loan Consultant/Advisor
- Scottsdale, AZ Mortgage Loan Officer
- NMLS #1492543
I’ll be with you every step of the way
I’m Kristy, a proud boy mom of the two coolest kids on the planet, so I understand the value of home. It’s a space for your family to grow up in and a place where memories are created — and I’m excited to guide you through financing yours. Based in our Scottsdale, AZ branch of America’s #1 Retail Mortgage Lender, I offer a collection of products, such as conventional, FHA, VA, and USDA loans, to help you on your homeownership journey. To ensure you’re comfortable and satisfied with your decision, I’ll be there every step of the way to answer your questions. Buying the home of your dreams should be a memorable experience, and I look forward to providing you with just that.
On a fun note, I’m an avid reader, a hardcore meditating yogi when I’m not in the gym, a summertime sun worshiper, and a wintertime fireside wine sipper!
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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.