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14861 North Scottsdale Road, Suite 105 Scottsdale, AZ 85254 Mobile (520) 404-0076 Tel (480) 439-4118 [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
Kristin Sica
- Senior Loan Officer
- Scottsdale, AZ Mortgage Loan Officer
- NMLS #2002456
I’ll be with you every step of the way
Hi, I’m Kristen, a Scottsdale, AZ, native financing homes with America’s #1 Retail Mortgage Lender. My goal has remained the same for three years: to bring homeownership to every family so they can have a happy and safe place to call their own. Family is my #1 hobby – I’m married to my wonderful husband, and we have two beautiful little girls. Mortgages and family truly go hand-in-hand for us, as we’re both CCM loan officers. You may see our girls running around the office, coloring with highlighters, and “working” at our computers. Together, our team will give you a memorable mortgage experience and a winning loan for you and your family.
When you work with us, we’ll guide you through your home financing journey. I’ll start by discussing your goals and circumstances so we can offer the right mortgages for you. We’ll provide information on every aspect of the home financing process and each home loan program available. Together, we’ll achieve your homeownership dreams.
Kristin’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.