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Your Local CrossCountry Mortgage Loan Officer

Kathy Little

  • Senior Loan Officer
  • Tequesta, FL Mortgage Loan Officer
  • NMLS #2723951

I’ll be with you every step of the way

Hi, I’m Kathy, and I’m here to make your home loan process as smooth as possible. As a dedicated loan officer with over 25 years of mortgage experience, I have a passion for working closely with buyers to help find the right loan for their home.

 

When you work with me, I’ll listen carefully to understand your goals. Whether you’re a first-time homebuyer or a homeowner looking to refinance, I’ll be there to guide you through each phase of the process. We can discuss how products and programs like conventional, jumbo, FHA and VA can help you achieve your homeownership dreams. Together, we’ll tailor the journey to fit your goals.

 

With superior customer service skills, I’ll always answer your questions and follow up to make sure you feel comfortable and informed throughout every step of the mortgage process. I look forward to walking by your side with America’s #1 Retail Mortgage Lender

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Inspiration for your home loan journey

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What Is Down Payment Assistance?

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Couple at home on the couch looks at paperwork and laptop to consider the pros and cons of refinancing their home.

What Are the Pros and Cons of Refinancing Your Home?

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Frequently asked questions

  • 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.

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