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
Kayla Barney
- Senior Loan Officer
- Honolulu, HI Mortgage Loan Officer
- NMLS # 2371086
I’ll be with you every step of the way
I’m Kayla Barney, a senior loan officer serving the people of Honolulu, HI. I started my mortgage career in 2020 as a loan processor and earned my lending license in 2022. Throughout my journey, my mom, who works in title insurance, encouraged me every step of the way. My passion is helping people; that is the most important thing to me. I’ll do whatever it takes to get the deal done and build a long-lasting relationship with the client. I’m not just your loan officer; I’m a friend and someone you can trust.
I specialize in first-time homebuyers and non-QM loans, but regardless of the loan you’re exploring, I’m happy to help you on your homeownership journey. Paired with America’s #1 Mortgage Retail Lender, I can match you with a loan that fits your financial and lifestyle goals.
Outside of work, I’m passionate about travel and have explored more than 25 countries. I also enjoy spending time by the ocean, camping and experimenting with new recipes using local island produce.
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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.