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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
Kyle Morrissey
- Senior Loan Officer
- Overland Park, KS Mortgage Loan Officer
- NMLS #1428875
I’ll be with you every step of the way
Hi, I’m Kyle, a senior loan officer with America’s #1 Retail Mortgage Lender based in Kansas City, MO. I began my career in the mortgage industry on November 4th, 2015, the day after the Royals’ World Series parade. My journey into home financing was inspired by a positive refinance experience that revealed the profound impact real estate can have on people’s lives.
With over 15 years of marriage to my wife, Sarah, I reside in Overland Park with our two wonderful children, Connor and Reagan. I’m passionate about helping others grow, both personally and professionally. My approach to home financing is grounded in three core pillars: educate, inspire, and serve.
Outside of work, I enjoy watching my kids play sports and am an avid player of pickleball and golf. Above all, I love nothing more than helping people on their journey to homeownership – making their dreams a reality one step at a time.
Kyle’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.