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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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Your Local CrossCountry Mortgage Loan Officer
Nichole Johnson
- Loan Officer
- Grand Haven, MI Mortgage Loan Officer
- NMLS # 2655558
I’ll be with you every step of the way
Hello, I’m Nikki Johnson, a dedicated loan officer with a passion for helping individuals and families achieve their financial goals. Through years of diverse roles and responsibilities, I have garnered substantial knowledge and skills in finance and real estate, allowing me to offer expert guidance and support.
My approach to home financing goes beyond the norm. I see myself as a mortgage planner, committed to providing education on the various financing options available. By understanding your unique financial goals, I can tailor solutions that fit your plans.
I’m passionate about making the loan process as smooth and stress-free as possible. My objective is to ensure you experience a seamless, educational and enjoyable journey from start to finish.
Born and raised in Grand Rapids, MI, I’m proud to be raising my family here. My husband, Todd, and I are blessed with three wonderful boys who are now young adults. Our household is complete with our adorable yet temperamental Maltese, Kobe.
Guides and resources
Compare two mortgage loans to see which one will save you money.
Enter the basic terms for two different loans to calculate the difference between them and see a cost comparison.
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.
Nichole’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.