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1547 North Coast Highway Newport, OR 97365 Mobile (541) 961-0609 Tel (541) 735-9861 [email protected]
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- monday: 9:00AM – 5:00PM
- tuesday: 9:00AM – 5:00PM
- wednesday: 9:00AM – 5:00PM
- thursday: 9:00AM – 5:00PM
- friday: 9:00AM – 5:00PM
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- Jumbo Loan
- Purchase
- Refinance
- Renovation Loan
- Reverse Mortgage
Jessica Steenkolk
- Originating Branch Manager
- Newport, OR Mortgage Loan Officer
- NMLS #1743610
I’ll be with you every step of the way
Hi, I’m Jessica, and with 23 years in the local real estate industry here in Newport, OR, my extensive training and knowledge make me uniquely qualified to assist homebuyers and borrowers through the mortgage process. I’m familiar with many of the unique challenges some properties face, such as septic systems, uncommon water sources, flood plains, and boundary line encroachments, and I know how to maneuver through them. I especially love helping first-time homebuyers on their home loan journey, making the entire experience more enjoyable and exciting, all backed by America’s #1 Retail Mortgage Lender.
I’m a native Oregonian with deep family roots along the Oregon Coast. I’m active with my family, love to travel, and enjoy the outdoors, the arts, and volunteering. I’m also proud to serve as an executive board member of the Newport Chamber of Commerce.
Jessica’s testimonials
Guides and resources
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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.