Step-by-step process to getting the keys to your new home.
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- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 3:00PM
- saturday: By Appointment
Your Local CrossCountry Mortgage Loan Officer
Veronica Quintanilla
I’ll be with you every step of the way
Hello! My name is Veronica, and I’m here to help you build the home you’re dreaming of. As a Loan Officer at the Kennewick, WA branch of America’s #1 Retail Mortgage Lender, I specialize in construction financing designed to support your vision from blueprint to move-in day.
Building a home comes with a lot of moving parts. With the right loan structure and a clear financing plan, it can feel simple and manageable. I bring experience in construction loans and will guide you through each phase of the process so you always know what’s next.
I offer flexible construction-to-permanent loan options that combine your build and final mortgage into one streamlined home loan. Whether you’re working with a builder or managing the project yourself, I’ll help you find the financing that fits your timeline and your budget.
With personalized guidance and a team of experts, you can trust me to help you move confidently through each step — and turn your dream home into a reality.
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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.