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  • 1997 Annapolis Exchange Parkway, Suite 300 Annapolis, MD 21401 Mobile (443) 794-1672 Theoni.Rapo@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Theoni Rapo

  • Loan Officer
  • Annapolis, MD Mortgage Loan Officer
  • NMLS #1527462
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Dedicated to getting it done

Hello! My name is Theoni. With nearly a decade of experience, I’ve been immersed in the mortgage world since I was 18. A proud graduate of Washington College with a double major in economics and business, I bring a fresh, analytical perspective to the homebuying process. Whether it’s your first home or your next big investment, I create a personalized path for every client, helping them achieve their homeownership goals with ease.

Passionate about education, I believe understanding the mortgage and real estate process shouldn’t be a mystery. I simplify the jargon, demystify the ever-changing industry, and make sure my clients feel empowered every step of the way—before, during, and long after closing.

Now living on the beaches of Delaware with my husband and two kids, I balance my thriving career at America’s #1 Retail Mortgage Lender with a love for my family, sand and salt air. Follow me on social media for marketing insights, mortgage tips and a behind-the-scenes look at life by the beach!

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • 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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