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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
Lori Saucier
I’ll be with you every step of the way
Hi, I’m Lori! I’ve been working in the mortgage industry for over 30 years, and I’m still excited to help homeowners from all walks of life at America’s #1 Retail Mortgage Lender. Whether you’re a first-time homebuyer using low down payment financing or a Veteran looking to purchase a forever home with no down payment, I have the expertise to guide you through the process.
I’m especially passionate about my Hero program and community involvement. I proudly support Firefighters, Law Enforcement Officers, EMTs, Military (Active, Veterans, & Reservists), School, and Healthcare Professionals. It’s my way of giving back to the heroes who keep our communities safe. I also partner with local real estate agents to offer exclusive discounts and services — don’t forget to ask me for details!
Clear communication is key to my approach, and I tailor it to your comfort, whether through technology, phone calls, or in-person meetings. I’ve helped thousands of individuals and families, and I’m eager to be your mortgage resource for life.
Lori’s testimonials
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.