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- Down Payment Assistance
- First-Time Homebuyers
- Purchase
- Refinance
Keith Howell
America’s #1 Retail Mortgage Lender
Hi, I’m Keith, a loan officer with experience in residential mortgages since 1998. I’ve built a strong reputation for creating lasting relationships and going above and beyond for every client. When I’m not helping with mortgages, I’m active in my local community. I’m a member of Bethlehem Church and involved in civic clubs like the North Gwinnett Kiwanis, where I served as President, and the Buford Business Alliance. My wife, Michelle, and I have been married since 1999, and we have two sons, Jonathan and Peyton.
I take pride in being available to assist real estate agents and homebuyers with their questions. Whether you’re purchasing a new home, refinancing your current one, or an agent seeking a mortgage professional for your clients, I’m here to help. As part of America’s #1 Retail Mortgage Lender, I look forward to working with you. Give me a call at 770-826-0170 or complete my online application to start your journey home!
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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.