-
- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Your Local CrossCountry Mortgage Loan Officer
Kristen Smith
- Originating Branch Manager
- Scottsdale, AZ Mortgage Loan Officer
- NMLS # 1993938
I’ll be with you every step of the way
Hello! My name is Kristen Smith. Born and raised in Flagstaff, Arizona, I feel incredibly blessed to call this beautiful mountain town home. Family is everything to me. I’m the proud mom of an amazing daughter, blessed to be a bonus mom to two wonderful daughters and am lucky to share life with my incredible boyfriend and our dog, Pancho.
In 2020, I was in the medical field when I decided to help people outside of healthcare. That led me to America’s #1 Retail Mortgage Lender, where I’m passionate about helping individuals and families achieve their homeownership goals. Whether it’s buying their first home, a second home or an investment property. I believe every client’s situation is unique. I take the time to listen, think outside the box and find solutions that fit their goals.
My goal is simple: to make home financing as smooth and stress-free as possible while treating every client like family. I provide honest guidance, clear communication and support every step of the way.
Kristen’s Reviews
My Videos
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.