Crystal Vroman

The Cat Lady Lender Team

Senior Loan Officer

NMLS #

1708733

MLO-OH.1708733

Crystal Vroman — also known as The Cat Lady Lender! Crystal Vroman is a Loan Officer with Alta Home Lending, and is a 2023 and 2024 Scotsman Guide Top Originator, Top Woman Originator and Top Veteran Originator and Rising Star award recipient. She is the current President of the Raleigh Mortgage Bankers Association with a true passion for her community. As a retired US Army veteran she is proud to continue serving her brothers and sisters in arms through her experience in financing and political action to make veterans a protected class in North Carolina. Crystal is an educational resource for home buyers and industry partners alike. Her brand the “Cat Lady Lender” supports a number of local charities including Safe Haven for Cats, Elite Service Foundation, Paddle for Troops, Karen Beasley Sea Turtle Rescue and the Clayton and Onslow County Rugby Clubs.

419.345.7474

cvroman@altahl.com

300 Western Blvd. Suite 300 Office 2 Jacksonville, NC 28546

Lending in:

Florida

Lending in:

Ohio

Lending in:

North Carolina

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The Cat Lady Lender Team

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Loan Programs & Types.

These are just a few of the many mortgage options out there. The best one for you depends on your finances, credit, and homeownership goals. Let’s chat—we’ll walk you through your options and help you find the perfect loan for your dream home!

Conventional Loan

A conventional loan is a mortgage that is not insured or guaranteed by the federal government. It is backed by private lenders and typically follows the guidelines set by Fannie Mae and Freddie Mac. These loans come in fixed-rate or adjustable-rate options and typically require private mortgage insurance (PMI) if the down payment is less than 20%.

FHA Loan

An FHA loan is a government-backed mortgage designed for borrowers who may have lower credit scores or smaller down payments. It is insured by the Federal Housing Administration, which makes it easier for lenders to approve borrowers with credit scores as low as 500 (with a 10% down payment) or 580 (with a 3.5% down payment).

VA Loan

A VA loan is a mortgage loan available to eligible veterans, active-duty military personnel, and their families. It is guaranteed by the U.S. Department of Veterans Affairs, allowing lenders to offer zero down payment, no private mortgage insurance (PMI), and competitive interest rates.

USDA Loan

A USDA loan is a government-backed mortgage designed for low-to-moderate-income borrowers purchasing homes in rural and some suburban areas. The loan is issued by approved lenders and guaranteed by the U.S. Department of Agriculture, offering zero down payment and lower mortgage insurance rates.

Jumbo Loan

A jumbo loan is used for home purchases that exceed conforming loan limits, which are $726,200 in most areas or up to $1,089,300 in high-cost regions. These loans have stricter qualification requirements, including higher credit scores (typically 700+), larger down payments (10%-20%), and strong income verification.

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Crystal Vroman

The Cat Lady Lender Team

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