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Your Local CrossCountry Mortgage Loan Officer

Raena Pinchuk

  • Sales Manager
  • Meridian, ID Mortgage Loan Officer
  • NMLS # 1488388
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I’ll be with you every step of the way

Hi, I’m Raena Pinchuk. With over 17 years in the banking and mortgage industry, I’ve learned this work was never really about the loan — it’s about the people and the life they’re building.

As a Scotsman Guide Top Originator, I specialize in Veterans, first responders, self-employed clients, affluent buyers, first-time homeowners and new construction financing. I work alongside my husband and business partner, Ivan, leading a team that works hand-in-hand on every file from start to finish.

Our clients deserve more than a transaction. They deserve a team that listens, solves problems and treats their goals like our own. That’s the standard we bring to every file, and it’s why we love what we do.

Outside the office, I’m a wife, mom and lover of the outdoors. Whether it’s your first home, your forever home, a new build or anything in between, we’d be honored to walk that road with you.

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Better Business Bureau Award 2025 Scotsman Guide Top Mortgage Lenders Award Scotsman Guide Top Workplaces 2026 2025 The Plain Dealer Top Workplaces Award

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It’s homebuying season.

In many parts of the country, spring is when homebuying ramps up. More homes come on the market & more buyers are looking. First home? Move-up home? Be ready to make your move. We’ve got you covered with fast closings and competitive rates.

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.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

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Inspiration for your home loan journey

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Exterior of rural home financed using a USDA loan.

USDA Loan Requirements 2026

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White farmhouse-style home in a rural landscape with open fields and trees, representing USDA loan property eligibility vs FHA loan flexibility

USDA Loan vs. FHA Loan: What’s The Difference?

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Senior homeowners smiling and reviewing paperwork together, illustrating 2026 housing trends and the rise of equity-rich buyers.

2026 Housing Trends: Baby Boomers Rise, First-Time Buyers Fall

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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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  • 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.

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