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  • 2987 College Ave. Berkeley, CA 94705 Mobile (925) 989-4771 Tel (510) 466-1159 [email protected]
    • monday: 9:00AM – 5:30PM
    • tuesday: 9:00AM – 5:30PM
    • wednesday: 9:00AM – 5:30PM
    • thursday: 9:00AM – 5:30PM
    • friday: 9:00AM – 5:00PM
    • Purchase
    • Refinance
Your Local CrossCountry Mortgage Loan Officer

Kelly O’Sullivan

  • linkedin logo
  • Senior Loan Officer
  • Berkeley, CA Mortgage Loan Officer
  • NMLS #349711
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I’ll be with you every step of the way

Hi, I’m Kelly! With 18 years of experience in the mortgage business, I’ve worked through many different markets and helped clients in Berkeley, CA achieve their homeownership dreams with America’s #1 Retail Mortgage Lender.

What sets me apart is my commitment to providing exceptional service to a diverse range of clients. From first-time homebuyers to move-up buyers and investors, I’ve successfully navigated through various challenging scenarios. One of my specialties is down payment assistance for homebuyers, and I’m a certified lender with the CalHFA program and AC Boost. I understand the importance of making homeownership accessible and affordable, and I’m dedicated to helping those who may not think it’s possible to buy a home.

In life, I try to be a well-rounded mom, colleague, and friend. I enjoy the wilderness (I climbed Half Dome in Yosemite!), traveling, sports, and watching live comedy. Last year, my family and I visited Ireland and France – the kids loved the pain au chocolat!

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.

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A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Save on Your Mortgage Every Month

Say Bye-Bye PMI 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI). 

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

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Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Contact me

Kelly’s testimonials

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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. 

Inspiration for your home loan journey

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Exterior of a ranch style home whose mortgage is going through a refinance.

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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