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America’s #1 Retail Mortgage Lender

Barbara Hale

  • Sales Manager
  • Tampa, FL Mortgage Loan Officer
  • NMLS #432409

Your biggest decision is my biggest passion

Hello! My name is Barbara Hale. With 29 years of mortgage experience, I have the knowledge and dedication to provide ideal financing options to my clients. At CrossCountry Mortgage, America’s #1 Retail Mortgage Lender, I offer a wide range of traditional and innovative mortgage programs, including:

  • Conventional Loans
  • Jumbo Loans
  • VA Loans
  • FHA Loans
  • Non-Qualified Loans

Combined with our state-of-the-art technology and dedicated loan production team, I’m able to provide you with the right home loan solutions and a smooth closing.

My team and I exceed industry standards in customer satisfaction and on-time closing results. From pre-approval to closing and beyond, I’ll make sure you know what’s happening with your mortgage and answer your questions every step of the way. I look forward to hearing from you.

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Calculate how much you can save if you refinance your mortgage 

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.

Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.
A family celebrates achieving their dream of owning their first home.
Military member coming home to his daughter in his VA-funded home.

Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

Buying Your First Home Is Possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you’re more ready than you think! 

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home. 

Let’s get started

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

Frequently asked questions

  • 1. Pre-qualify for a home loan

    2. Check your credit report

    3. Meet with a CCM loan officer

    4. Establish your homebuying budget

    5. Get pre-approved

    6. Work with a real estate agent

    7. Find your dream home

    8. Submit your mortgage application

    9. Make an offer

    10. Get a home inspection

    11. Close your loan

    12. Move into your home!

  • It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.

  • It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.

    At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.

  • First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.

    Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.

  • That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.

  • Before you find your dream home, it will help to have:

    • Your credit score
    • Proof of employment and income
    • Cash or assistance for a down payment
    • The right loan
    • A homebuying budget
    • An expert real estate agent
    • Your dedicated CCM loan officer

I’d love to hear from you.

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