The Kimball Team - CrossCountry Mortgage

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Elk Grove Village, IL
The Kimball Team - CrossCountry Mortgage

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Richard Kimball leads The Kimball Team at CrossCountry Mortgage. Branch NMLS874123 NMLS 190429
Company NMLS3029

Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020. At The Kimball Team – CrossCountry Mortgage, we’ve been helping families make smart moves since 1992. With over 3,000 homes closed and 281 five-star reviews, we’re proud to be a trusted local lender serving Elk Grove Village & surrounding communities. Whether you’re buying your first home, refinancing, or using your equity to invest, our mission is simple — make mortgages simple, fast & stress-free. We combine clear communication, personalized guidance & decades of experience to help you feel confident every step of the way. Visit richkimballteam.com or call 847.603.2215 to start your next chapter with a team that puts people first. 🏡💬

11/01/2026

In case you haven’t heard, 27% of homes sold in September were bought with cash, according to NAR. That’s more than 1 in 4.

When you hear a number like that, it’s easy to wonder how that’s even possible nowadays – especially with so many people struggling with affordability.

You might picture wealthy investors with deep pockets…but not all cash buyers are who you'd think.

Some are just regular homeowners who’ve built up enough equity over the years to sell their house and buy their next one in cash.

So sure, affordability is tight. But that doesn't mean buying a home today is only possible for the wealthy or big investors.

If you own a home and you’ve lived there for a while, you may be in a better position to move than you think.

Want to know how much equity you have? Let’s find out what it could do for your next move.

11/01/2026

Sales Rally starts Now

11/01/2026

Weekend Warriors are on call this weekend.

Saturday: 10 AM to 6 PM
Sunday: 11:30 AM to 7:30 PM

Offers don’t wait for Monday, so neither do we. 😎
When your client is ready to make a move, our team is available to run numbers, talk strategy & help you keep the deal moving.
📲 847.603.2300

10/31/2026

Pop quiz. What credit score do you need to buy a home?

If your answer was B) 660 or C) 700 … you’re not alone. A lot of people believe you need "perfect" or “near perfect” credit.

But you probably don’t need as high a credit score as you think.

Even though a Veterans United survey shows 57% of would-be buyers think you need at least a 660, the long-standing benchmark for Fannie Mae and Freddie Mac loans is 620, and even that isn’t a hard rule for every loan.

So the real answer? Both A) 620 and D) “it depends” are right.

And with all the changes to credit models lately, even more people will be able to buy than before.

Don’t let myths keep you locked into a lease. Let’s find out where you actually stand.

10/31/2026

An extra hour, lighter mornings. Things are looking bright as daylight saving time ends and we set our clocks back.

10/31/2026

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan-to-value, providing more available funds than a conventional cash-out refinance. See what may be possible: http://spr.ly/6187BHlpoR

10/31/2026

🎃 Even vampires work weekends! 🧛‍♂️ Edgar is on call this Halloween weekend!

🕸️ Saturday: 10 AM to 6 PM
👻 Sunday: 11:30 AM to 7:30 PM

Don't let mortgage questions haunt your deal! Whether you're writing offers or running numbers, Edgar is ready to help.
No tricks, just treats! 🍬

📲 847.603.2300

10/31/2026

Tonight you can become anything you want to be. Let out your inner trick-or-treater and look for a brightly lit front porch.

10/30/2026

Credit Scoring Is Changing: 3 Things Homebuyers Should Know

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.

10/30/2026

From caring for aging parents to creating space for extended family, multi-generational homes continue to serve an important purpose. We can help these buyers secure financing that fits the whole family.

Address

1041 Bonaventure Drive
Elk Grove Village, IL
60007

Telephone

+18476032300

Website

http://RichKimballTeam.com/

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