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3415 Old Highway 41, Suite 730 and 740 Kennesaw, GA 30144 Mobile (404) 425-8175 Tel (706) 534-0687 [email protected]
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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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- Purchase
- Refinance
Debbie Johnston
- Loan Officer
- Kennesaw, GA Mortgage Loan Officer
- NMLS #211792
I’ll be with you every step of the way
Hi, I’m Debbie. For more than 40 years, I’ve been working in the mortgage business, and as a trusted loan officer at our Kennesaw, GA branch of America’s #1 Retail Mortgage Lender, my main objective is to help my clients buy their dream homes. I love to work with people and see the joy on their faces when they close on their loans – and I can’t wait to help you close on yours.
I like to take my time to get to know my clients before matching them with a home loan. We’ll explore options like conventional, FHA, VA, and USDA purchase and rehab loans that suit your goals. Once we’ve made a plan, I’ll be by your side from application to closing, answering your questions and supporting you every step of the way.
A little about me: I’ve been married for 40 years and have 2 children and 3 grandchildren. We like to travel as a family, and in my downtime, I enjoy reading and crafting.
Debbie’s testimonials
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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.