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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
Claude Maher
- Originating Branch Manager
- Chalmette, LA Mortgage Loan Officer
- NMLS #179025
I’ll be with you every step of the way
Hi, I’m Claude, and for 20 years, I’ve been truly committed to helping clients finance their home buying dreams. Based in our Westerly, RI branch, I’m a Kappa Delta PI Honor Society member and a UNO alumnus with a bachelor’s degree in finance. I participate and volunteer in local and national charities such as Habitat for Humanity and the Susan G. Komen Foundation. I also serve as Treasurer for the St. Bernard Parish Home Mortgage Authority and co-host the St. Bernard Broker Tour.
As part of America’s #1 Retail Mortgage Lender, I’m dedicated to providing personalized service to every client. Let’s work together to make your homeownership dreams come true!
When I’m not helping clients, I volunteer as a football coach at NP Trist Middle School and enjoy rooting for the Saints and the Tigers.
Claude’s testimonials
Guides and resources
My social posts
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.