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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
Niki Sullivan
- Business Development/Reverse Specialist
- Walnut Creek, CA Mortgage Loan Officer
- NMLS #1717992
I’ll be with you every step of the way
Hi, I’m Nicole (Niki) Sullivan. I bring a wealth of experience to the reverse mortgage industry, with a background in financial services and over 20 years in the business. I graduated from California State University, Chico, and worked at Franklin Templeton Investments, where I earned Series 6, 63, and 7 licenses. After a successful start in financial services, I spent time raising my three children while keeping active in real estate and home lending.
Now, at our Walnut Creek, CA branch with America’s #1 Retail Mortgage Lender, I’m proud to specialize in reverse mortgages, working closely with retirees and financial planners to help people achieve their retirement goals. I also love working with real estate agents to assist clients in finding their dream homes for retirement.
I’m passionate about building long-term relationships with clients, staying in touch to ensure their mortgages continue to meet their needs. In my free time, I enjoy spending time with my husband, Casey, and our three kids, Megan, Emma, and Colin.
Guides and resources
My social posts
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.