Skip to content
Kristi Culbertson photo
  • 445 N Battlefield Blvd., Unit G Chesapeake, VA 23320 Mobile (757) 630-8530 Tel (757) 630-8530 Kristi.Culbertson@ccm.com
Your Local CrossCountry Mortgage Loan Officer

Kristi Culbertson

  • zillow logo
  • Loan Officer
  • Chesapeake, VA Mortgage Loan Officer
  • NMLS #819792

America’s #1 Retail Mortgage Lender

Hi, I’m Kristi. After over 12 years as a loan officer, I have the background, experience, and knowledge to prepare homebuyers for every stage of life. Based in our Chesapeake, VA branch, I’ve guided hundreds of families toward achieving the American dream of homeownership. My favorite part of the job is advising clients on how to build personal wealth—not just at the time of purchase but throughout their life and into retirement.

As part of America’s #1 Retail Mortgage Lender, I’ll personalize the mortgage process to match your goals, circumstances, and priorities. Maybe a conventional mortgage will match your goals, or perhaps a jumbo loan is a better fit for your big dreams. You could qualify for programs with flexible requirements and benefits like FHA, USDA, or VA. Whether you’re purchasing, renovating, or refinancing, I’m dedicated to getting it done and finding the right plan for your future.

My social posts

Streaming Content
loansbykristi loansbykristi
Homebuying is a team sport. Finding an agent who fits your needs, understands your goals and helps you make the best decisions is the key to winning. We’ve got plenty of recommendations – just ask! 🤝
loansbykristi loansbykristi
Embrace the start.
loansbykristi loansbykristi
Pre-approval is your greatest homebuyer hack. With one simple application, you’ll be empowered to shop smarter and offer confidently. What are you waiting for? Apply today!
loansbykristi loansbykristi
Never back down.
loansbykristi loansbykristi
This one’s for the non-traditional folks – self-employed borrowers, real estate investors, homebuyers without a Social Security number. There’s a path to home for everyone with non-QM loans. Let’s find yours!

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.

Frequently asked questions

I’d love to hear from you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.