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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
Kenny Saxton
- Loan Officer
- Gulfport, MS Mortgage Loan Officer
- NMLS # 583333
I’ll be with you every step of the way
Hello! My name is Kenny Saxton. In 2001, a friend of mine who was a loan officer suggested I joined the business, and I like the idea. 25 years later, I still love guiding homebuyers and homeowners through buying a home or refinancing — now as a senior loan officer with America’s #1 Retail Mortgage Lender.
From application to closing, I’m always available for my agents and clients. Every transaction is treated as the most important one that I’ve ever been a part of. That means keeping you updated, answering your questions and making sure you always know what comes next.
Whether you want to buy, refinance or renovate, I offer a variety of loan programs to help you reach your goals. From conventional and bond to VA, FHA, USDA, DSCR and Non-QM loans, we’ll look at the details and tailor the experience to fit your plans.
On a personal note, I’ve been married for 33 years. We have a grown daughter and son, along with three spoiled dogs. I enjoy playing golf and spending time on the lake.
Kenny’s testimonials
My Videos
Guides and resources
My social posts
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.