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1005 Bridge Street, Suite 2nd Floor, Office #100 Ashtabula, OH 44004 Mobile (937) 396-4418 [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
Kristi O’Brien
- Outside Loan Originator
- Ashtabula, OH Mortgage Loan Officer
- NMLS #1541276
I’ll be with you every step of the way
I’m known for my integrity, diplomacy, and compassion for my clients. I make it my priority to listen to each individual so I can best understand their wishes. To make your dreams come true, my recommendations will always respect your unique circumstances and goals.
I offer a wide range of mortgage programs, specializing in creative financing for first-time homebuyers, and new construction lending. Whether you are purchasing, renovating, or refinancing, we will find the right product for your plans.
Communication is a top priority, and I pride myself on making sure each individual is thoroughly informed throughout their loan process to create a harmonious dynamic. I’ll take the time to walk you through each step of your mortgage, answer your questions, and keep you up to date on your loan’s status.
From start to finish, I look forward to providing you with the personalized mortgage experience and outstanding customer service you deserve.
Kristi’s testimonials
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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.