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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
Your Local CrossCountry Mortgage Loan Officer
Emma Penna
- Loan Consultant/Advisor
- Bozeman, MT Mortgage Loan Officer
- NMLS # 2053766
I’ll be with you every step of the way
Hello! I’m Emma Penna, a loan advisor serving homebuyers throughout Montana. Buying a home is one of the biggest financial decisions you’ll make, and I believe you deserve a loan officer who is transparent, responsive and genuinely invested in your goals. My goal is to make the mortgage process feel simple and stress-free while giving you the confidence that comes with working with America’s #1 Retail Mortgage Lender.
With more than six years of experience in the mortgage industry and a bachelor’s degree in business management, I’m passionate about making sure my clients understand their options and feel confident in their decisions — not just getting them to the closing table.
I specialize in conventional, FHA, VA, USDA, and Non-QM loan programs. Whether you’re buying your first home, building your dream home or refinancing, I’m here to be a resource you can count on.
My goal is simple: to make your home financing experience feel personal, informed and seamless every step of the way.
Guides and resources
How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.
Emma’s Reviews
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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.