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2 Miranova Place, Suite 280 Columbus, OH 43215 Mobile (614) 787-8786 Tel (614) 787-8786 [email protected]
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- monday: 8:00AM – 7:00PM
- tuesday: 8:00AM – 7:00PM
- wednesday: 8:00AM – 7:00PM
- thursday: 8:00AM – 7:00PM
- friday: 8:00AM – 7:00PM
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- First-Time Homebuyers
- Investment Property
- Jumbo Loan
- Purchase
- Refinance
Tom Lade
I’ll be with you every step of the way
Hi, I’m Thomas. Buying a home or refinancing can seem overwhelming, but I’ll make it easy for you. With nine years of experience assisting homebuyers in the greater Columbus, Ohio area and across the nation, I’ve seen it all. We’ll review your loan options together, answer your questions about home financing, and choose the mortgage best fit for your homeownership dreams. You can rely on me to make every step in your home loan journey go smoothly!
From applying to receiving your keys or completing your refinance, I’ll be there to support you. You’ll receive continuous updates on your loan, and I’ll always be available to answer your questions. Communication promotes confidence, and I want you to feel confident every step of the way. At America’s #1 Retail Mortgage Lender in Columbus, OH, I look forward to providing you with an outstanding mortgage experience.
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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.