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  • 3030 S. Durango Drive, Suite B Las Vegas, NV 89117 Mobile (702) 808-7493 kathy.spicuzza@ccm.com
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Your Local CrossCountry Mortgage Loan Officer

Kathleen Spicuzza

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  • Inside Loan Originator
  • Las Vegas, NV Mortgage Loan Officer
  • NMLS #865895
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I’ll be with you every step of the way

Hi, I’m Kathleen, known to many as the “Red Hot Loan Lady.” With more than 20 years of experience in the mortgage industry, I leverage my expertise to empower individuals and families to achieve financial success. I serve clients primarily in Las Vegas, Arizona, Florida, Tennessee, and California. My experience ranges from assisting first-time homebuyers to move-up buyers and Veterans, guiding anyone I can on their homeownership journey.

I specialize in refinancing solutions to help you manage debt, reduce monthly payments, create cash flow, or expedite your mortgage term. As the education director and board member of the Veterans Associate of Real Estate Professionals (VAREP) for Las Vegas, I educate real estate agents and lenders on the nuances of VA home loans. My passion extends to advising on leveraging home equity through reverse mortgages, creating a robust financial future in retirement.

Your financial well-being is my priority, and I can help you build wealth and manage debt effectively at America’s #1 Retail Mortgage Lender.

My social posts

redhotloanlady redhotloanlady
May 31
Elder law attorneys: Clients planning for long-term care costs need flexible financial solutions. A reverse mortgage can help cover medical expenses, protect assets, and provide peace of mind while k...
redhotloanlady redhotloanlady
May 30
While nearly half of buyers still settle in the suburbs, a rising number are buying in the big city. Whether your clients are looking for a downtown apartment or a rural escape, we’ve got loans for any locale....
redhotloanlady redhotloanlady
May 29
You’ve decluttered – congrats! Now you need to decide where to send your unwanted stuff. Donate, sell or toss, then savor your immaculate space.

Calm the chaos in any room w...
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May 28
April saw a modest slowdown in existing-home sales, easing 0.5% from the previous month. As demand remains pent up, we’re your go-to partner when your buyers find opportunities in their market.
redhotloanlady redhotloanlady
May 28
31% of retirees would consider using home equity to pay for long-term care. Should you? Learn how reverse mortgages can help cover future care needs.
Woman researching loan officers to find the right financing parter

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.
Retired woman enjoys a bike ride and her peace of mind after starting her reverse mortgage.
Military member coming home to his daughter in his VA-funded home.

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. 

Contact me

You’ve worked hard for your home. Now it’s time to put your home equity to work for you.

A reverse mortgage allows homeowners aged 55 or older to borrow against their housing wealth while maintaining ownership, title, and control of their home.

But unlike traditional financing solutions, there is no monthly payment required on the loan — taxes, insurance, and maintenance only.

What will you do with tax-free cash from your home equity?

  • Improve cash flow and increase savings
  • Refinance or eliminate existing mortgage and consumer debt
  • Pay for healthcare expenses and long-term care
  • Finance home renovations to age safely in place
  • Buy a new home that better suits your needs
  • Create a financial safety net with a growing line of credit
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*Review the Reverse mortgage requirements found on the product page for additional details.

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

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Inspiration for your home loan journey

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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.

    Learn more

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