Headshot of Kristi Culbertson

Kristi Culbertson

Loan Officer

Chesapeake, VA Mortgage Lender

NMLS #819792

Adress
445 N Battlefield Blvd., Unit G
Chesapeake, VA 23320
Contact Methods
Email
tel Phone
757-630-8530
mobile Mobile
(757) 630-8530
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Kristi

Hi, I'm Kristi. After over 12 years as a loan officer, I have the background, experience, and knowledge to prepare homebuyers for every stage of life. Based in our Chesapeake, VA branch, I’ve guided hundreds of families toward achieving the American dream of homeownership. My favorite part of the job is advising clients on how to build personal wealth—not just at the time of purchase but throughout their life and into retirement.

As part of America’s #1 Retail Mortgage Lender, I’ll personalize the mortgage process to match your goals, circumstances, and priorities. Maybe a conventional mortgage will match your goals, or perhaps a jumbo loan is a better fit for your big dreams. You could qualify for programs with flexible requirements and benefits like FHA, USDA, or VA. Whether you’re purchasing, renovating, or refinancing, I’m dedicated to getting it done and finding the right plan for your future.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your home equity.
Fast.

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

CCM Equity Express, is fast, secure, and fully automated. A few minutes to apply, a few days to get your funds. That's all it takes.

Recent Posts and Articles

Blog

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

Quick Contact Form

Send me a message below or give me a call at 757-630-8530

By clicking “Contact Us” I am agreeing to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to recurring contact from CrossCountry Mortgage, or its agents, at the number and/or email address I provided regarding products or services via live, automated or prerecorded telephone call, SMS (text message), or email. I understand that my telephone company may impose charges on me for these contacts, and I am not required to enter into this agreement as a condition of purchasing property, goods, or services. I understand that I can revoke this consent at any time. Terms & Conditions/Privacy Policy apply.