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130 Tri County Parkway, Suite 108 Cincinnati, OH 45246 Mobile (513) 518-6318 Tel (513) 991-5938 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Johnathan Barber
- Originating Branch Manager
- Cincinnati, OH Mortgage Loan Officer
- NMLS #240526
I’ll be with you every step of the way
Hi, I’m Johnathan, based in Cincinnati, OH. In today’s market, it’s important to select a skilled, honest loan officer when purchasing a home. With over 23 years of experience, I’ve helped over 2,200 first and second-time homebuyers achieve their homeownership goals. I take great pride in improving the lives of families in Ohio, Kentucky, Indiana, and Florida, and I would love to help you call one of these incredible states home.
Each mortgage is unique to your goals, circumstances, and priorities. From conventional and jumbo to FHA, VA, and first-time homebuyer programs, I offer many options to achieve your dreams. No matter your goal, I’ll find the right product for your plans.
My consideration for you doesn’t end after finding a mortgage. As part of America’s #1 Retail Mortgage Lender, I’ll be there from pre-approval to closing and into the future, always answering your questions and ensuring your home loan continues to meet your changing circumstances. I look forward to starting your home financing journey.
Johnathan’s testimonials
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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.