Unparalleled Home Loan Advice for Homebuyers
Mortgage Resources for Homebuyers
Navigating home financing can be complex. The Fields Group partners with Kim Barnes, Loan Officer at CrossCountry Mortgage, to provide clear guidance and a wide range of mortgage solutions.
Meet Your Mortgage Expert
Kim Barnes – Loan Officer, NMLS 996052
Office: (561) 332-1347
Mobile: (386) 546-6753
Email: kim.barnes@ccm.com
Website: ccm.com/kim-barnes
Address: 900 NW 17th Avenue, Unit 202, Delray Beach, FL 33445
Expertise: Kim helps buyers select the right mortgage programs and guides them through the approval process with ease.
Mortgage Programs Overview
Conventional Loans
A flexible option for most buyers with:
- Down payments as low as 3%
- Fixed or adjustable rates
- Terms from 10–30 years
- No mortgage insurance with 20% down
- Eligible for various property types
Tip: Ideal for buyers with a solid credit profile and minimal financial hurdles.
FHA Loans
Designed for buyers with lower credit scores or limited down payments:
- Down payments starting at 3.5%
- Gift funds and seller contributions allowed
- Parent/relative can be co-applicant (non-occupant)
- Low monthly and upfront mortgage insurance
Tip: Great for first-time homebuyers seeking flexibility.
VA Loans
Exclusive to Veterans, Active-Duty Service Members, and qualifying Surviving Spouses:
- 100% financing available
- No mortgage insurance
- 30-year fixed rates
- Eligible for condos, townhouses, single-family, and 2–4 unit properties
- Reusable eligibility
Tip: Perfect for military families seeking maximum financing benefits.
USDA Loans
For buyers in rural areas seeking low or no down payment:
- No down payment required
- Low-to-moderate income applicants welcome
- Closing costs can be paid by the seller or included in loan
- 30-year fixed rates
- Eligible for condos, townhouses, and single-family properties in USDA-approved areas
Tip: Ideal for buyers looking to live outside city limits.
Specialty Loan Programs
- Jumbo Loans: 10% down, no mortgage insurance, high-cost home financing
- FHA HUD $100 Down / Good Neighbor Next Door: Low down payment for eligible buyers
- ADU & RSU Financing: Use rental income or stock units for qualification
- Renovation & One-Time-Close Construction Loans: Finance construction or improvements in one loan
- Reverse Mortgages: Access equity for homeowners 55+
- Down Payment Assistance Programs: Various options for first-time buyers (CCM Community Promise, Freddie Mac BorrowSmart Access, Chenoa, Essex, HFA Programs)
- Unique Borrower Programs: Doctor Program, 1099, Profit & Loss, Foreign National, Cannabis Income financing, and more
Why Work With CrossCountry Mortgage & The Fields Group
- Wide range of loan options for every buyer
- Personalized guidance from first-time buyer to investor
- Expertise in VA, FHA, USDA, Conventional, Jumbo, and niche programs
- Easy access to down payment assistance and unique programs