Originating Branch Manager
Your Local CrossCountry Mortgage Loan Officer
Kyle Johnson
I’ll be with you every step of the way
Hello, my name is Kyle Johnson, and I’ve been part of America’s #1 Retail Mortgage Lender, proudly serving clients in Lacey, WA since 2012. I’ve lived in Thurston County for the past 10 years, but was born in Portland, Oregon. I love helping my clients purchase their dream home and am highly involved with my church and the community I’m proud to be part of.
I graduated from The University of Washington with a Bachelor of Arts in Business Administration, with an emphasis in Finance, and a Minor in Economics. Working with me, you can expect an authentic experience defined by honesty, integrity, and clear communication. Whether you’re buying a home for the first time or refinancing an existing mortgage, you deserve a smooth, respectful, and personable transaction.
I’m eager and motivated to work with you for all your lending and real estate needs!
Your Lacey, WA home loan experts
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
Why Kyle Johnson is Winning
General FAQs
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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.