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Your Local CrossCountry Mortgage Loan Officer

Vanessa Hays

  • Loan Officer
  • Evans, GA Mortgage Loan Officer
  • NMLS # 2369935
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I’ll be with you every step of the way

Hi, I’m Vanessa, a loan officer with over 17 years of experience in the finance industry. I hold a bachelor’s in accounting and finance and a Master of Business Administration. I’ve used my skills from years of education and experience in finance to shape myself into the diligent and hardworking mortgage professional I am today.

As a Military Spouse of 18 years, I hold the communities I’ve lived in close to heart. Currently, my family and I are stationed at Fort Eisenhower in Augusta, Georgia. I’m a mom of four and enjoy that my career allows me flexibility with my family as well as the ability to achieve my biggest passion—helping others. With my background and dedication, I’m here to assist you on your home financing journey with America’s #1 Retail Mortgage Lender.

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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 woman in her home office is excited to learn about down payment assistance options.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Military member coming home to his daughter in his VA-funded home.

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

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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. 

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Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

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Inspiration for your home loan journey

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Frequently asked questions

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