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Your Local CrossCountry Mortgage Loan Officer

Keely Matteo

  • Branch Manager
  • Vancouver, WA Mortgage Loan Officer
  • NMLS #134942

Dedicated to getting it done

Hi, I’m Keely, and being your loan officer is about listening to you and understanding your financing needs. Based in our Vancouver, WA branch, whether you’re a first-time homebuyer, a long-time homeowner, or looking for an investment property, refinancing, or a renovation loan, I’m here to assist you in finding the best financing options. I offer a wide variety of loan programs, from conventional and jumbo to FHA, USDA, specialty products, and down payment assistance programs. Together, we’ll develop a mortgage plan just for you.

As part of America’s #1 Retail Mortgage Lender, my consideration for you doesn’t end after finding a mortgage. I’ll be available to answer your questions and ensure your home loan continues to meet your changing circumstances—from application to closing and beyond. My team and I want your experience to warrant your referral to friends, family, and co-workers, even if it’s just for questions. I look forward to giving you the communication and level of service you deserve from your lender.

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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.

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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  • 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
  • Refinance costs vary, but typically range from 2% to 6% of your loan amount. For example, refinancing a $300,000 mortgage may cost $6,000–$18,000. Costs include appraisal, title and lender fees. A CCM loan officer can help calculate your break-even point and long-term savings.

  • A cash-out refinance lets you replace your current mortgage with a new one for more than you owe — taking the difference in cash. Use it for renovations, debt consolidation, tuition, or unexpected expenses by tapping into your home’s equity.

  • Refinancing makes sense when you can lower your interest rate, shorten your loan term, switch to a fixed rate or access equity for cash. If your current mortgage no longer fits your financial goals, it may be time to refinance.

  • To refinance, meet with a CCM loan officer, review your credit, apply for your new loan and submit required documents. After approval, you’ll schedule a closing and start fresh with your new mortgage terms and payment structure.

  • You can typically refinance after six months, but timing depends on loan type, lender and your financial situation. A CCM loan officer can help determine if now’s the right time based on your equity, credit and current interest rates.

I’d love to hear from you.

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