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- monday: 8:00AM – 10:00PM
- tuesday: 8:00AM – 10:00PM
- wednesday: 8:00AM – 10:00PM
- thursday: 8:00AM – 10:00PM
- friday: 8:00AM – 10:00PM
- saturday: 8:00AM – 10:00PM
- sunday: 8:00AM – 10:00PM
Your Local CrossCountry Mortgage Loan Officer
Kelly Ann Worthington
- Senior Loan Officer
- Cleveland, OH Mortgage Loan Officer
- NMLS # 1464587
I’ll be with you every step of the way
Hello! My name is Kelly Ann Worthington. I’ve lived in Ohio for most of my life, traveling between Ohio and Florida for family and business. My husband and I have four children in college and beyond.
I grew up in northwest Ohio and graduated from Bluffton High School. From there, I moved to Cleveland, graduating from Baldwin Wallace University with a bachelor’s degree in business administration with an emphasis in marketing and sales, which has helped me throughout my career.
My strength lies in developing relationships with agents and the clients they entrust me to care for. Communication, transparency, and ethics are key values to me, and those relationships are the cornerstone of my business.
Customer service and satisfaction are my focus every day — giving everyone “The Kelly Ann Experience!” Please feel free to reach out to me anytime via call, text, or email. My direct cell phone number to call or text anytime is 440-465-9457. I’m available 7 days a week, 8 a.m. to 10 p.m.!
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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.