Our simple loan process begins with a focus on your needs. Then we present different options which best fit your situation.
Cross Timbers Mortgage specializes in home loans in Oklahoma and Florida. Our services go beyond just the products we offer: education, training, and building strong relationships within the mortgage industry are also what we focus on, allowing us to bring the most value to our customers.
The goal is to provide the best guidance, speed, and efficiency in every loan we process, from application to closing. We are your trusted loan experts that you can rely on to help make your dreams of home ownership come true.
Our straightforward loan process starts with you communicating your needs, while we listen. Then we move forward with your financing, striving to exceed your expectations every step of the way. This includes consistent response times, clear communication, while doing what we say we will do. This is how we conduct business with our customers and how we work together internally within our organization.
If you are looking to purchase a new home, refinance an existing mortgage, remodel your house, or consolidate high-interest debt, you can count on Cross Timbers Mortgage to come through with financing options that fit your needs.
Meet the Cross Timbers Mortgage Team
Chad has 30+ years of experience in the financial industry. He is a Certified Veterans Lending Specialist and served our country in the U.S. Navy.
“I believe that only an educated, trained employee will be able to build a strong relationship in the mortgage industry, specifically home loans in Oklahoma. The more you communicate needs and expectations the stronger the loyalty you build in those relationships. This industry requires consistent response times, clear communication and doing what you say you will do. This is both in business relationships as well as within an organization.”
My wife and I enjoy the outdoors. Seeing what God has created up close brings us pleasure, as well as spending time serving local needs through church or business clubs.
- NMLS #462652
- Favorite Restaurant: BurnCo BBQ – Tulsa, OK
- Favorite Vacation Spot: The mountains or the ocean, depending on the temperature outside
- Favorite Pastime: Exploring God’s creation in the great outdoors
- Favorite Song: “Your Love is a Song” by Switchfoot
My role at Cross Timbers Mortgage as a loan consultant is to match my clients with the home loan that makes the most sense for their homebuying or refinancing situation. After 20 years previously working in the health field, I wanted to make a change, but I still wanted to help people. Now, as a home loan consultant, I can still help people, just in a different capacity. I obtained a BS/DC degree from Parker College of Chiropractic. I’m also a proud U.S. veteran who served in the Army Reserve for six years. I’m originally from Oklahoma City, but currently live in Edmond. I’ve been married to my wife, Tracie, for 27 years and together we have three sons.
- NMLS# 2073869
- Favorite Restaurant: Upper Crust
- Favorite Vacation: Home
- Favorite Pastime: Working out and time with family
- Favorite Song: “Enter Sandman” by Metallica
OUR OPERATIONS TEAM
Kim joined the Cross Timbers Mortgage team as the Operations Manager in June of 2020, after leaving a 25+ year career in the public policy arena of Oklahoma state government, where she worked in the areas of education, energy, tourism, and legislative process and advocacy. Kim earned her Master of Business Administration from the University of Central Oklahoma and her Bachelor of Science in Organizational Leadership from Southern Nazarene University. She is a public servant at heart and is excited about using her skills and experience to streamline the back office operational needs of CTM while also harnessing the growing volume of data to draw out insights and make it actionable.
Kim enjoys serving as a volunteer on the Operations Team at Life.Church and she and Chad lead a life group for married couples. She adores her grandchildren and is elated at every opportunity to spend time with them! She and Chad enjoy travel and experiencing God’s creation in the beauty of the outdoors, whether that be hiking on a mountain top, kayaking on a river, or exploring the depths of an ocean reef.
- Favorite Restaurant: Our home – nobody comes close to Chad’s steaks cooked out on the grill!
- Favorite Vacation Spot: Meeru Island Resort in the Maldives
- Favorite Pastime: Spending time with our precious grandbabies!
- Favorite Song: “I Can Only Imagine” by MercyMe (the official inspirational song of the State of Oklahoma)
Debbie has over seven years’ experience in the mortgage industry in various roles. She has 20 plus years’ experience in “real estate-related” businesses. Debbie has a graduate degree in Business Administration. She believes the staying power in the mortgage arena comes from the pure satisfaction of working hands-on with clients through the most important purchase of their life. She says that her extensive career dealing one on one with clients brings her joy.
- Favorite Restaurant: Cattlemen’s Steakhouse
- Favorite Vacation Spot: Anywhere there is a beach
- Favorite Pastime: Hanging out with my toy Australian Shepherd “Hazel” and my grandbabies
- Favorite Song: “Hold My Hand” by Jess Glynne