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115 E Pennsylvania Ave., Suites 1 & 2 Southern Pines, NC 28387 Mobile (910) 890-3494 [email protected]
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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
Your Local CrossCountry Mortgage Loan Officer
Erica Campbell
- Loan Officer
- Southern Pines, NC Mortgage Loan Officer
- NMLS #982872
America’s #1 Retail Mortgage Lender
Hello! My name is Erica. I joined the mortgage industry in 2010. After 14 years as a loan processor, I transferred to sales in 2024. My back-office experience means I know all the ins and outs of the loan process. I love using my knowledge to help people buy their new homes by making the process as streamlined and easy as possible.
Whether you’re looking to finance your first home, next home or an investment property, I’m here to guide you. I’ll provide clear communication that instills confidence you are making the right choices for your future. I offer a wide range of products at America’s #1 Retail Mortgage Lender, specializing in VA, first-time homebuyer and NC Housing loans. Together, we’ll achieve your homeownership dreams.
Off the clock, I love spending time with my husband Kevin and my daughter Kerrigan. We enjoy traveling, going to the movies and playing softball. A perfect Saturday is sleeping in, grabbing Starbucks and shopping with Kerrigan and my sister Brittany.
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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.