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  • 122 W High Street Woodstock, VA 22664 Mobile (540) 305-1101 Michelle.Napier@ccm.com
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Your Local CrossCountry Mortgage Loan Officer

Michelle Napier

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  • Loan Officer
  • Woodstock, VA Mortgage Loan Officer
  • NMLS #995143
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Make your mortgage feel like a win

Hello! My name is Michelle, and I got started in home financing in 2012. I joined the mortgage industry after purchasing my first home and having a slightly difficult time with the process. In the end, we were fortunate to find a great lender to help us get to the closing table. A few months after buying our home, I was offered an opportunity to join the mortgage business and knew it was for me.

 

I love helping families become homeowners! I’m communicative, professional and passionate about helping clients find the right solution for their homeownership dreams. With the support of my Reston, VA team, I’m excited to guide you through the homebuying process at America’s #1 Retail Mortgage Lender.

 

When I’m not helping other families, I love spending time with my husband and our four kids.

My social posts

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May 30
While nearly half of buyers still settle in the suburbs, a rising number are buying in the big city. Whether your clients are looking for a downtown apartment or a rural escape, we’ve got loans for any locale....
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May 29
You’ve decluttered – congrats! Now you need to decide where to send your unwanted stuff. Donate, sell or toss, then savor your immaculate space.

Calm the chaos in any room w...
michellenapier_lending michellenapier_lending
May 28
April saw a modest slowdown in existing-home sales, easing 0.5% from the previous month. As demand remains pent up, we’re your go-to partner when your buyers find opportunities in their market.
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May 27
Knowing your home’s equity gives you the power to make confident decisions. Ready to see yours? Use our calculator. Ready to tap into it? Get in touch.💰
michellenapier_lending michellenapier_lending
May 23
The average stay in a new home is 15 years, but a quarter of buyers are ready to live out the length of their mortgage — and then some.
Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Women sits at kitchen table and researching options to help her purchase a home instead of renting one.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Move On From Renting

Buying a home doesn’t seem easy, but that shouldn’t stop you from enjoying the benefits of homeownership! I’ll provide solutions to help you own your very own home. 

Not sure you’re financially ready?  

We’ll make a plan that fits your budget. 

Think iffy credit will hold you back?  

I’ve got options with flexible requirements. 

Unsure about high rates, down payments, or closing costs? 

We’ll find ways to save.  

Don’t wait – let’s start the process so you can make your big move. 

Contact me

Inspiration for your home loan journey

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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.

    Learn more

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