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1810 E Glenn Avenue, Suite 150 Auburn, AL 36830 Mobile (334) 663-6172 Tel (334) 591-1508 [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
Christina Mulkey Singleton
- Inside Loan Originator
- Auburn, AL Mortgage Loan Officer
- NMLS #2002673
I’ll be with you every step of the way
Hi, my name is Christina, and I’m dedicated to guiding you through your homeownership journey. As a loan officer at our Auburn, AL branch, I’m proud to offer the support of America’s #1 Retail Mortgage Lender to help you achieve your goals.
With over 10 years of experience in the finance world, helping others and recommending the best loan product for each individual need is what matters most to me. My first step is always to listen carefully to your goals and priorities. Communication is just as important as listening, and I’ll make sure you’re fully informed as your mortgage moves through the process. I’ll be available to answer any questions from application to closing – and beyond.
Whether you’re a first-time homebuyer, a long-time homeowner, or an investor, I offer a wide range of loan programs, from FHA and USDA to investor loans, jumbo loans, and more. I’m ready to help you with the home loan experience you deserve!
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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.