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Your Local CrossCountry Mortgage Loan Officer

Stephen Steakley

  • Regional Branch Manager
  • Cedar Park, TX Mortgage Loan Officer
  • NMLS #274124

America’s #1 Retail Mortgage Lender

Hello! I’m Stephen, your local loan officer. I’m proud to serve our Cedar Park, TX community with America’s #1 Retail Mortgage Lender. Whether you’re buying your first home, making a move or refinancing, I’m here to guide you through the process with expert advice and a personal touch.

At CrossCountry Mortgage, you get more than a mortgage lender – we’re your neighbors. My team and I are based right here in your community, which means we understand our market and what it takes to help you succeed. From our first conversation to closing day, I’ll provide clear answers, reliable support and a smooth, stress-free experience.

When it comes to your loan, you’ll find the wide range of options you’d expect from a national leader. From VA and FHA to conventional and exclusive programs, we’ll discuss each solution and find the right one for you.

I want to help you make the place I call home your home. Reach out to me today or stop by our Cedar Park office to get started!

Better Business Bureau Award Scotsman Guide Top Workplaces 2026 Mortgage Executive Top 50 Mortgage Companies In America 2023 Award 2025 Scotsman Guide Top Mortgage Lenders Award 2025 The Plain Dealer Top Workplaces Award

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.

A woman in her home office is excited to learn about down payment assistance options.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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Frequently asked questions

  • 1. Pre-qualify for a home loan

    2. Check your credit report

    3. Meet with a CCM loan officer

    4. Establish your homebuying budget

    5. Get pre-approved

    6. Work with a real estate agent

    7. Find your dream home

    8. Submit your mortgage application

    9. Make an offer

    10. Get a home inspection

    11. Close your loan

    12. Move into your home!

  • It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.

  • It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.

    At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.

  • First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.

    Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.

  • That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.

  • Before you find your dream home, it will help to have:

    • Your credit score
    • Proof of employment and income
    • Cash or assistance for a down payment
    • The right loan
    • A homebuying budget
    • An expert real estate agent
    • Your dedicated CCM loan officer

  • Refinance costs vary, but typically range from 2% to 6% of your loan amount. For example, refinancing a $300,000 mortgage may cost $6,000–$18,000. Costs include appraisal, title and lender fees. A CCM loan officer can help calculate your break-even point and long-term savings.

  • A cash-out refinance lets you replace your current mortgage with a new one for more than you owe — taking the difference in cash. Use it for renovations, debt consolidation, tuition, or unexpected expenses by tapping into your home’s equity.

  • Refinancing makes sense when you can lower your interest rate, shorten your loan term, switch to a fixed rate or access equity for cash. If your current mortgage no longer fits your financial goals, it may be time to refinance.

  • To refinance, meet with a CCM loan officer, review your credit, apply for your new loan and submit required documents. After approval, you’ll schedule a closing and start fresh with your new mortgage terms and payment structure.

  • You can typically refinance after six months, but timing depends on loan type, lender and your financial situation. A CCM loan officer can help determine if now’s the right time based on your equity, credit and current interest rates.

I’d love to hear from you.

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