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  • 8412 W Gage Blvd, Suite B Kennewick, WA 99336 Mobile (509) 378-7667 Tel (509) 352-8536 Carmel.Perez@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Carmel Perez

  • Sr. Loan Officer
  • Kennewick, WA Mortgage Loan Officer
  • NMLS #1933170
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I’ll be with you every step of the way

Hi, my name is Carmel Perez, and I’m excited to help you open the doors to homeownership! I got my start in home financing in 2020 to help my sister grow her mortgage business, leading me to discover my passion for helping people achieve their homeownership dreams—which I proudly do today.

As a loan officer, I meet people where they are and help them make a plan to get where they want to go. I’ve had clients come back after two years of planning and accomplish their dream of homeownership. If you stick to the plan, it will work! Every plan starts with a mortgage. I specialize in working with first-time homebuyers and homeowners looking to refinance, offering expertise in bank statement and ITIN loans. No matter your goals, we’ll find the right program for you and make your process personalized, fun, and stress-free with America’s #1 Retail Mortgage Lender.

Off the clock, I love to travel and spend time with my siblings—family is everything to me, and they are my favorite people in the world.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • 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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