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555 North Point Center E, 4th Floor, Office 455 Alpharetta, GA 30022 Mobile (770) 351-7553 Tel (470) 273-3627 [email protected]
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- Home Equity
- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
Richard Staley
- Vice President, Branch Manager
- Alpharetta, GA Mortgage Loan Officer
- NMLS #185131
America’s #1 Retail Mortgage Lender
Hi, I’m Richard. After over 25 years in the home lending industry, I’ve garnered continued success and recognition for mortgage expertise and a comprehensive, customer-focused approach to home financing. I’m an Atlanta native who’s been a proud Georgian for over 40 years. With a business based out of the prestigious Buckhead area in Alpharetta, GA at America’s #1 Retail Mortgage Lender, I’m excited to serve you and our community one loan at a time.
Our team’s mission is to serve others before ourselves. While the idea is simple, it’s important with today’s challenges. As a leader in non-qualified mortgages, we’re equipped to assist you based on heavy assets, unique income, and traditional home financing. My ability to integrate technology and maintain a caring focus will help make your loan process quick, seamless, and personal. Whether you’re buying your first home, your next home, or an investment property, we’ll get it done.
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.