Kristi Culbertson at CrossCountry Mortgage
Loan Officer | NMLS #819792
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Chesapeake, VA. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner consid... Show More
Location & Business Hours
Business Hours
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM(Open now)
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Reviews from Web
Kristi mad the home buying process as a first time homebuyer very easy and made sure I understood everything I needed/wanted to know about the lender and my loan. Thank you so much for a smooth first time home purchase.
Reply from Kristi Culbertson
June 4th, 2024 03:25 PM
Hi Devin, I'm so happy to hear that you found your first-time home buying process to be smooth and easy. It was my pleasure to assist you, and I'm glad I could clarify all your queries about the lender and your loan. Your positive feedback...
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Kristi is awesome; she went above and beyond for me and I will surely recommend her to friends and family.
Reply from Owner
November 30th, 2025 12:00 AM
Thank you so much!!! I love helping my clients reach their goals!!!
Kristi was fantastic. She was so responsive and friendly every time we called. She kept lines of communication open with us to constantly fill us in on where we were in the process and what needed to be done. She worked her tail off behind...
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Reply from Kristi Culbertson
June 4th, 2024 03:26 PM
Thank you so much for your kind words, Michelle. I'm thrilled to hear that you had a positive experience with me at CrossCountry Mortgage. It's always my goal to keep the lines of communication open and deliver professional, friendly service....
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Kristi went above and beyond for us. She was a huge help!
Reply from Kristi Culbertson
June 4th, 2024 03:26 PM
Thank you so much for your kind words, Lauren. I'm so pleased to hear that you had a positive experience with your loan process at CrossCountry Mortgage, LLC. Helping clients like you is what makes my job so rewarding. Please don't hesitate...
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I have encountered many lenders over the last 20 years of being a Real Estate Agent & I can honestly say Kristi is "Top Notch! Not only does she possess extreme knowledge of the different loan products she also provides outstanding customer...
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Reply from Kristi Culbertson
August 5th, 2021 12:27 PM
Thank you so much for your constant trust in me!!! Because of great clients like you, I'm able to do what I love!! I definitely believe that clients deserve to have a Mortgage Banker that they can fully trust to look out for their best interest...
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I have encountered many lenders over the last 20 years of being a Real Estate Agent & I can honestly say Kristi is "Top Notch! Not only does she possess extreme knowledge of the different loan products she also provides outstanding customer...
read more
Reply from Owner
August 5th, 2021 12:00 AM
Thank you so much for your constant trust in me!!! Because of great clients like you, I'm able to do what I love!! I definitely believe that clients deserve to have a Mortgage Banker that they can fully trust to look out for their best interest...
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In my 68 year lifetime I have met quite a few mortgage and financial managers and none were as professional, knowledgeable, or caring as Kristi Holland at Atlantic Bay Mortgage. Introduced by a mutual friend she worked tirelessly for several...
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Reply from Kristi Culbertson
June 8th, 2021 03:27 PM
Thank you so much for your extremely kind words!!! I don't even know what to say!!!! It was TRULY my please helping you and I'm so thankful that you trusted me to guide you through this process! I'm always here for you if you need anything!...
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In my 68 year lifetime I have met quite a few mortgage and financial managers and none were as professional, knowledgeable, or caring as Kristi Holland at Atlantic Bay Mortgage. Introduced by a mutual friend she worked tirelessly for several...
read more
Reply from Owner
June 8th, 2021 12:00 AM
Thank you so much for your extremely kind words!!! I don't even know what to say!!!! It was TRULY my please helping you and I'm so thankful that you trusted me to guide you through this process! I'm always here for you if you need anything!...
read more
Kristi and her team of professional will get the job done. They are responsive and always upbeat-you can tell they love what they do- even if your own situation is challenging. She'll get you through the process to reach the goal. I appreciate...
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Reply from Kristi Culbertson
May 7th, 2021 10:13 PM
Thank you so much! We definitely love what we do and we love helping people!!! I’m always here if you need me!:)
Kristi and her team of professional will get the job done. They are responsive and always upbeat-you can tell they love what they do- even if your own situation is challenging. She'll get you through the process to reach the goal. I appreciate...
read more
Reply from Owner
May 7th, 2021 12:00 AM
Thank you so much! We definitely love what we do and we love helping people!!! I’m always here if you need me!:)
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Chesapeake, VA. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #819792 | Branch NMLS #2613306
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Specialities
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Loan
USDA Home Loan
FHA 203k Limited Refinance
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Memberships
- Finance
- Licensed Mortgage Loan Originator
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2003
Time Zone
Eastern Standard Time (EST)
Licenses
- 819792
Achievements
- 2018 Presidents Club
- 2019 Presidents Club
- 2020 Presidents Club
Hobbies
- All things involving the BEACH~:)
- Travel
- Family Time
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Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095