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- monday: 8:30AM – 5:30PM
- tuesday: 8:30AM – 5:30PM
- wednesday: 8:30AM – 5:30PM
- thursday: 8:30AM – 5:30PM
- friday: 8:30AM – 5:30PM
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Marylee Gilchrist
- Originating Branch Manager
- Cottonwood Heights, UT Mortgage Loan Officer
- NMLS #242466
Let’s find your dream home
I’m Marylee Gilchrist, and I’m passionate about making the dream of homeownership a reality. As part of America’s #1 Retail Mortgage Lender, I bring expertise, dedication and a personal touch to every client relationship.
For me, home financing is more than selling loans. It’s about helping people achieve their homeownership goals. Whether that means guiding you toward a better financial position or connecting you to the home of your dreams, I’m here to walk with you all the way to the finish line.
Over the years, I’ve learned the importance of truly understanding each customer. What’s your story? How can I help you in your pursuit of a home? When I see my clients as real people with unique goals, needs and dreams, I can match them with the right loan and create a seamless, stress-free mortgage experience.
Everyone has a story to tell. My mission is to listen, customize a loan that meets your goals and guide you every step of the way.
Marylee’s testimonials
Guides and resources
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Calculate two mortgage loans to see which one will save you money
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.