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4610 South Ulster Street, Suite 300 Denver, CO 80237 Mobile (650) 322-0303 Tel (720) 739-0099 [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
Nikki James
I’ll be with you every step of the way
Hi, I’m Nikki, and I believe a mortgage is more than a transaction—it’s about helping people create their greatest family memories in a place they call home. As part of the Denver, CO branch of America’s #1 Retail Mortgage Lender, my team is made up of highly skilled mortgage experts with 30+ years of experience. We specialize in all types of lending, including bridge loans, RSU income, complex income structures, and first-time homebuyers.
We truly care about what we do and are dedicated to educating our clients on all aspects of a mortgage and the products available. This way, you can move forward confidently with your home purchase. We also assess affordability alongside qualifications to find the right price range and loan amount tailored to your situation.
With constant communication, you’ll be informed about the mortgage process every step of the way. We’ll guide you through each stage and answer any questions about your homebuying journey. I can’t wait to show you the difference we can make in your home financing.
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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.