Chrystie Dutton

Chrystie Dutton has been in the mortgage industry since 2008. Licensed in Florida and Ohio, she is committed to taking exceptional care of people who are looking to buy or refinance a home.She has proudly served clients across Ohio and Florida and enjoys working with buyers to help them turn their dream of owning a home into reality. Her friendly personality, attention to detail, and exemplary level of communication make the loan process smooth and easy for all her clients. Chrystie has a vast network of referral sources and clients who appreciate her for her knowledge, honesty and dedication.
She has grown her career through her high level of integrity, unwavering desire to deliver solutions that meet the client’s needs, and personal commitment to industry referrals and repeat clients. She does this all by utilizing her years of industry experience and knowledge. Chrystie loves to spend time with family, friends, and travels when possible. She enjoys going to the beach and ballroom dancing. Chrystie is involved with local community events and works with many volunteer groups in her county.

Call Chrystie today for assistance with your next home loan!

“I love making your home ownership dream a reality” Chrystie

Mortgage Loan Officer
NMLS # 954490
614-301-8326
chrystie.dutton@mortgageright.com

Please note: You will be taken to an application page that will require you to create an account if you have not created one already.

Mortgage Loan Options

CONVENTIONAL MORTGAGE LOANS

Conventional loans are not insured by a government agency
Require a minimum 3% down payment
There are a variety of fixed and adjustable rate conventional loans to choose from
Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments
Interest rate varies based on credit score and loan term
Offers 10, 15, 20, 25, 30 and 40 year repayment terms

FHA MORTGAGE LOANS

Great for first-time buyers and buyers with lower credit scores
FHA loans are not restricted to first-time home buyers or low-income buyers
Easier requirements for income and credit score
Minimum down payment 3.5% and lower closing costs
Mortgage Insurance may be less costly than private mortgage insurance (PMI)
Seller can contribute up to 6% of selling price to cover closing costs

USDA MORTGAGE LOAN

Special financing in USDA defined areas
Flexible credit guidelines and qualifying criteria
Lower than market interest rate
No down payment required
Closing costs can be seller-paid or rolled into the loan
Lower monthly private mortgage insurance (PMI)
Ability to finance upfront PMI

VA MORTGAGE LOAN

Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
Qualify with suitable credit, adequate income and valid Certificate of Eligibility
Borrow up to 100% with no money down and no mortgage insurance requirement
Veterans can refinance through the IRRRL (streamline refinance)
Can include cost of remodeling up to 103.15% appraised value
Offers 10, 15, 20, 25, 30 and 40 year repayment terms

JUMBO MORTGAGE LOAN

Financing for high-priced and luxury homes
Good option for self-employed buyers
Available for primary residences, second homes and investment properties
Flexible down payment minimum of 5% on loans up to $2 million
Mortgage insurance is not required
Jumbo cash out refinances up to 95% loan to value with no mortgage insurance

REVERSE MORTGAGE LOAN

Borrower remains the owner of the home
Can stay in your home without ever making another monthly mortgage payment
With a Reverse Mortgage, the borrower receives funds payable when the last borrower leaves
Borrowers must occupy the property as their principal residence
Protection against a declining housing market

The Benefits Of Refinancing

If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.

Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.

It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.

Remodel / Renovation

Lifestyle Upgrades

New Start-Up Business

New Baby on board / Adoption expense

Debt Consolidation

Education expense

significant Home damage

When she says 'yes'

Testimonials

Chrystie showed that she actually cares about people and went above and beyond to get us approval where others failed.We have found our mortgage professional for life Loan Status Closed May 2021 Loan Type Purchase Interest Rate As expected Close on time Yes Fees/Closing costs As expected

This has been our 2nd great experience working with Chrystie! Wouldn't work with anyone else, highly recommended! She walked us through our different loan options available and found the best option that would work for us. Chrystie is AWESOME with numbers and went above and beyond to get us moving forward as smooth as possible. We cant thank her enough for everything she has done. THANK YOU CHRYSTIE!!! Loan Status Closed Jul 2020 Loan Type Purchase Interest Rate Lower than expected Close on time Yes Fees/Closing costs As expected 30 YEAR FIXED FHA LOAN

I just want to say that Chrystie and her team exceeded our expectation and was excellent to work with! She made sure that she kept us up to date through every step of the way via text or phone call, which was greatly appreciated! And if we ... Read more Loan Status Closed May 2020 Loan Type Refinance Interest Rate As expected Close on time Yes Fees/Closing costs As expected 15 YEAR FIXED CONVENTIONAL LOAN