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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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Your Local CrossCountry Mortgage Loan Officer
Sunny Larsen
I’ll be with you every step of the way
Hello! My name is Sunny, and I’ve been originating home loans since 2005. Over that time, I’ve learned that the difference between a stressful mortgage process and a smooth one comes down to two things: communication and creativity. You’ll hear from me consistently, and if the standard path doesn’t fit your situation, I’ll find the one that does.
That’s where CrossCountry Mortgage, America’s #1 Retail Mortgage Lender, really pays off. Beyond conventional and jumbo, I regularly put clients into VA, FHA and exclusive in-house programs built for the buyers other lenders turn away – self-employed borrowers, investors, new construction and renovation projects. If you’ve been told no somewhere else, that’s often where I do my best work.
Whether you’re buying your first home, refinancing or building, you’ll get expert guidance, straightforward answers and a personalized plan for reaching your goals.
Let’s connect and talk through your options – including a few you may not know exist!
Awards & Recognition
– Top 1% Mortgage Originators in America – Mortgage Executive Magazine (2025)
– Top Originator – Scotsman Guide (2026)
– Top Women Originators – Scotsman Guide (2026)
Licensed In
Arizona, California, Colorado, Florida, Idaho, Oregon & Washington
Sunny’s Reviews
Guides and resources
My social posts
Should you buy a house or keep renting?
Enter the basic terms for a purchase loan and your current rent payment/expenses to calculate total cost comparisons and see projected 30-year savings for a purchase.
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.