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5101 Monroe Rd., Suite 102 Charlotte, NC 28205 Mobile (704) 578-4321 Tel (980) 217-9679 [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
Stacy Kimrey
I’ll be with you every step of the way
Hello, I’m Stacy, a senior loan officer with our Charlotte, NC team at America’s #1 Retail Mortgage Lender. With 29 years of industry experience, I’ve worked in all areas of the mortgage business and served on the board of directors for the North Carolina Association of Mortgage Professionals for 12 years, even holding the role of president in 2008. My mission is to offer a consultative approach with a customized home loan plan tailored to meet your financial goals.
My business is built on relationships and communication. Whether it’s your first mortgage or ninth, you’re my priority. This is why my clients and referral partners have trusted me time and again. I’ll listen to your homeownership dreams, answer your questions, and find a way to achieve them.
Whether you want to buy a home, refinance, or renovate, I offer various loan programs to fit your goals. From conventional and jumbo to FHA and VA, we’ll personalize the mortgage experience to meet your needs. I can’t wait to get started on your home financing journey.
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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.