Step-by-step process to getting the keys to your new home.
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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
Debbie Echols
- Outside Loan Originator
- Chicago, IL Mortgage Loan Officer
- NMLS # 191154
I’ll be with you every step of the way
I’m Debbie Echols, a senior loan officer in Birmingham, AL. For more than 30 years, I’ve been helping clients navigate the mortgage process with confidence, combining my homebuilding background with a passion for helping others. I take the time to explain every detail, so you always feel informed and comfortable with your decisions.
I specialize in helping first-time homebuyers and have expertise in FHA and USDA loans. As a recognized top producer, I’m committed to finding the loan solution that best fits your needs. I’ll provide the guidance and support you need to achieve your homeownership goals. Backed by America’s #1 Mortgage Retail Lender, my team and I deliver exceptional customer service that goes above and beyond to create a positive experience.
Outside of work, I enjoy camping, SEC football and traveling. My husband, Roger, and I have three daughters and seven grandchildren, and we love making memories together at Disney World and exploring new places.
Debbie’s Reviews
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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.
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.