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- 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
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- Purchase
- Refinance
Heather Blanchard
- Originating Branch Manager
- Sedalia, MO Mortgage Loan Officer
- NMLS #1240473
I’ll be with you every step of the way
Hello! My name is Heather, and I’m deeply passionate about helping people turn their dream of homeownership into reality – especially for single moms and first-time homebuyers. Over the past 7 years, I’ve had the privilege of guiding over a thousand families in securing home financing, often for clients who believed it was out of reach. My mission is simple: no mortgage is too hard, and no dream is too big.
Whether this is your first home or a new goal, I’m here to simplify home financing. I’ll walk you through each step of the mortgage process, answer your questions, and keep you up to date on your loan’s status. From start to finish, you’ll feel confident in closing with the Sedalia, MO team at America’s #1 Retail Mortgage Lender.
When it comes to finding your home loan, I start by listening. We’ll discuss your options to find the right loan for your goals. I offer a wide range of loans, from conventional and jumbo to FHA, VA and USDA. Together, achieve your homeownership dreams.
Heather’s testimonials
Guides and resources
My social posts
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.
Inspiration for your home loan journey
Frequently asked questions
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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.