See all the innovative ways we help first-time homebuyers.
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Your Local CrossCountry Mortgage Loan Officer
Kelly Bardet
- Senior Loan Officer
- Scottsdale, AZ Mortgage Loan Officer
- NMLS # 1621324
Your biggest decision is my biggest passion
My name is Kelly Bardet and I’m a strategic loan officer serving the people of Arizona. In 2017, I decided to join the mortgage industry because I wanted a career that felt new and exciting to me. As a loan officer, I get to help borrowers find loan products that align with both their financial situation and lifestyle.
Mortgages can seem confusing and complex, and that’s why I’m here. I specialize in a variety of mortgages, including first-time homebuyers, investors, Non-QM, conventional, FHA, USDA and VA loans. I want you to pay the lowest amount you can for your mortgage. I’m here to be honest, accessible and educational. Backed by America’s #1 Mortgage Retail Lender, I can provide prices and products you can’t find anywhere else.
When I’m not working, I enjoy being outdoors and doing sports-related activities!
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.
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Frequently asked questions
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Non-QM loans use expanded home financing criteria to give borrowers income and credit flexibility. From qualifying with bank statements or 1099 income to purchasing investment properties, Non-QM loans open doors to homeownership many don’t realize are available.
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Also known as Investor Cash Flow loans, DSCR loans are designed to help real estate investors secure financing with their rental property’s cash flow. Instead of relying on personal income, DSCR loans use the debt service coverage ratio (DSCR) to qualify.
DSCR is calculated by dividing the monthly rental income by principle, interest, property taxes, homeowners insurance and association dues.
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Since Non-QM loans don’t follow traditional guidelines, they’re considered riskier. That’s why lenders often require a higher down payment, interest rate and other terms.
But Non-QM loans are a safe financing option that benefits many homebuyers. Talk to a CCM loan officer to learn what’s right for you.
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Bank Statement loans allow you to qualify for a mortgage using your bank statements instead of tax returns. These loans are designed for borrowers who have strong credit and finances but don’t have traditional income, like self-employed workers.
To qualify, you’ll use the average of your deposits over a 12- or 24-month period. If your work doesn’t provide a W-2, this may be the loan for you.
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ITIN loans give you a way to qualify for home financing without a Social Security number. Instead, your Individual Tax Identification Number (ITIN) makes homeownership possible.
At CrossCountry Mortgage, we provide numerous ways to qualify using an ITIN. Bank statements, liquid assets, 1099 income and more can all be used to buy a home with our ITIN loan.
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No. Conventional loans follow criteria established by the Consumer Financial Protection Bureau (CFPB). Non-QM loans use different standards that provide flexibility for borrowers who may not meet conventional requirements due to the type of home being purchased, financial circumstances or non-traditional income or employment.