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  • 485 South 24th Street W Unit B Billings, MT 59102 Mobile (406) 208-9676 Tel (406) 208-9676 Kamber.Kelly@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Kamber Kelly

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  • Loan Advisor
  • Billings, MT Mortgage Loan Officer
  • NMLS #526357
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I’ll personalize your home financing

Hi, I’m Kamber, and I’m dedicated to making your mortgage a win! I love serving my Billings, MT community as a loan officer, bringing homeownership dreams to life in the place I call home.

Whether you’re buying or refinancing, the mortgage process might seem stressful. But that’s not the case with CrossCountry Mortgage. My team and I have years of experience helping clients close with confidence. I’ll answer your questions in simple terms, help you through each step in home financing and do everything in my power to help you go from getting pre-approved to relaxing at home in no time.

With CCM, you get more than a smooth process – you get more mortgage options, too. We have client favorites like conventional, FHA, VA, and USDA loans, plus a selection of programs you won’t find anywhere else.

Ready to take the first step toward your homeownership dreams? Reach out to me and make your mortgage a win with America’s #1 Retail Mortgage Lender!

Calculate two mortgage loans to see which one will save you money 

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.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Women sits at kitchen table and researching options to help her purchase a home instead of renting one.

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. 

Contact me

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Move On From Renting

Buying a home doesn’t seem easy, but that shouldn’t stop you from enjoying the benefits of homeownership! I’ll provide solutions to help you own your very own home. 

Not sure you’re financially ready?  

We’ll make a plan that fits your budget. 

Think iffy credit will hold you back?  

I’ve got options with flexible requirements. 

Unsure about high rates, down payments, or closing costs? 

We’ll find ways to save.  

Don’t wait – let’s start the process so you can make your big move. 

Contact me
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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. 

Inspiration for your home loan journey

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My social posts

Kamber Kelly - CrossCountry Mortgage Kamber Kelly - CrossCountry Mortgage
8h
As an agent, you have roughly 10 weeks and 5 showings to help get a buyer into their dream home. Make the most of that time with help from an expert mortgage lender. 🏠
Kamber Kelly - CrossCountry Mortgage Kamber Kelly - CrossCountry Mortgage
Jun 11
Agents are one thing that never go out of style. Buyers consistently want to work with agents, and they value your expertise and guidance. For the record, we do too! 🤝
Kamber Kelly - CrossCountry Mortgage Kamber Kelly - CrossCountry Mortgage
Jun 10
Settle in and stay awhile with a fixed-rate mortgage. These loans offer predictability and security so you can focus less on rates and more on enjoying your dream home.
Kamber Kelly - CrossCountry Mortgage Kamber Kelly - CrossCountry Mortgage
Jun 6
Whether they find you through an online listing or reach out directly, 2/3 of buyers rely on agents. Set them up for success by making sure pre-approval is step 2.
Kamber Kelly - CrossCountry Mortgage Kamber Kelly - CrossCountry Mortgage
Jun 4
Pending home sales dropped 6.3% in April, and we’re seeing a familiar trend. More homes on the market, fewer buyers committing. The difference now? Your clients may have more leverage. Let’s talk today!

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.

    Learn more

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