Cheryl Skinner - Mortgage Banker

08/13/2026

🚨 No credit? Not sure where to start? 🚨

One simple way to begin building your credit profile is to ask a parent, aunt, uncle, or trusted family member to add you as an authorized user on one of their credit cards.

Of course, you want to make sure they have good credit habits, make their payments on time, and keep their balances low. When done properly, being added as an authorized user can help strengthen your credit profile and establish credit history more quickly.

I actually did this for my own son, and he ended up with a 700 credit score—and he is now a homeowner at just 21 years old! 🏡👏

If you’re starting from scratch and want to know what steps you can take to prepare for homeownership, reach out to me. I’d be happy to help you create a game plan!

08/12/2026

🏡 NEW DOWN PAYMENT ASSISTANCE PROGRAM! 🔑

Think your credit score is keeping you from buying a home? You may have more options than you think!

We now have a Down Payment Assistance program available for qualified borrowers with credit scores starting at 580! 🎉

✨ Down payment assistance available
✨ Credit scores starting at 580
✨ Great option for buyers who need help with upfront costs
✨ Let’s find out what you may qualify for!

A lower credit score does not automatically mean you have to wait to become a homeowner.

📲 Message me “580” and let’s take a look at your options!

Program availability, eligibility, credit requirements, rates, terms, and conditions are subject to change. Not all borrowers will qualify.

08/03/2026

🎉 Another state completed! ✅

I just finished my 2026 Massachusetts Mortgage Loan Originator Continuing Education! 📚🏡

Staying current with state regulations, compliance updates, and industry changes is one of the ways I make sure I’m providing my clients with knowledgeable, accurate, and ethical guidance throughout the home financing process.

Learning never stops, and I’m committed to being the best resource I can be for my clients and referral partners.

If you’re thinking about buying a home, refinancing, or just have mortgage questions, I’d love to help!

📩 Reach out anytime!

08/03/2026

Georgia continuing education: completed! ✅

Staying current on state-specific mortgage laws, compliance requirements, advertising rules, fraud prevention, and lending guidelines is part of making sure my clients receive informed, responsible guidance from application through closing.

I’m proud to continue expanding the states I can serve and sharpening my knowledge so I can better help buyers, homeowners, and referral partners navigate the mortgage process with confidence.

Buying, refinancing, relocating, or planning your next move? Let’s talk.

Cheryl Skinner | Mortgage Loan Officer
NMLS #939547
CrossCountry Mortgage, LLC | NMLS #3029

07/22/2026

🎉 Another milestone complete! 🎉

I’m excited to share that I’ve officially completed my 2026 Arizona Mortgage Loan Originator Continuing Education!

Staying up to date on mortgage guidelines, compliance, and industry changes allows me to provide the best possible service to my clients and referral partners.

Whether you’re:
🏡 Buying your first home
🏠 Selling and purchasing your next home
💼 A real estate investor
🤝 A Realtor looking for a responsive lending partner
💰 Interested in refinancing or exploring your options

I’d love the opportunity to help. My goal is to make the mortgage process smooth, educational, and stress-free from start to finish.

📞 Give me a call today and let’s discuss your goals!

Cheryl Skinner
CrossCountry Mortgage
NMLS #939547 | Company NMLS #3029

07/17/2026

I love positive texts from my clients ❤️

06/23/2026

One of the most rewarding parts of being a mortgage loan officer isn’t just helping someone buy a home—it’s hearing from them months later and knowing they still remember the experience.

This message came from a client who purchased a home several months ago. Knowing that they are enjoying their home, building their future, and taking the time to reach back out means more than they probably realize.

I don’t take these relationships lightly. My goal is never just to close a loan. It’s to educate, guide, and be a trusted resource long after closing day.

When a client thinks of me 6–7 months later, invites me to see the finished project, or refers friends and family, it reminds me why I love what I do.

To all of my past clients: thank you for trusting me with one of the biggest financial decisions of your life. Your support, referrals, and kind words mean everything.

🏡❤️

05/15/2026

Weekend vibes + house keys on the horizon. ✨🏡

There’s something exciting about spending the weekend touring homes, planning your future, and figuring out what’s possible. Whether you’re buying your first home, upgrading, downsizing, or just curious about where you stand — I’m here to help guide you through it.

The best time to start preparing is before you fall in love with the house. Let’s make sure your financing is solid so when the right one comes along, you’re ready.

📞 Cheryl Skinner
CrossCountry Mortgage
NMLS # 939547 | Company NMLS # 3029
🌐 OwnHerHome.com

04/20/2026

The first step to buying a home?
Call me.

Let’s go over your credit, clean up your credit report, and look at your numbers the right way.

I’ll show you:
✔️ What you qualify for right now
✔️ What you could qualify for once your finances are optimized

No guessing. No confusion. Just a clear plan.

Message me or call me—I’ll walk you through it.

04/20/2026

🏡 Step One to Owning Your Home: Get Your Finances in Order

If you’re thinking about buying a home—especially after a major life transition like divorce—there’s one step that matters more than anything else: Get your financial foundation in order first. Not the fun answer. But the real one. Before you start scrolling homes online or talking about interest rates, you need clarity on your numbers. Because confidence in homeownership doesn’t come from guessing—it comes from knowing exactly where you stand....

If you’re thinking about buying a home—especially after a major life transition like divorce—there’s one step that matters more than anything else: Get your financial foundation in order first. Not…