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85 S Virginia Street Crystal Lake, IL 60014 Mobile (708) 299-6456 Tel (815) 455-5554 [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
Nicole LaMorte
- Originating Branch Manager
- Crystal Lake, IL Mortgage Loan Officer
- NMLS #868279
I’ll be with you every step of the way
Hi, I’m Nicole, and I’m a passionate client advocate and trusted professional for my referral partners. Before moving into the mortgage industry, I worked in the title industry, preparing documents, conducting closings, wiring money—if it happened at a title company, I’ve done it. In 2006, I decided to learn the other side of the business and have been working as a mortgage banker ever since.
From application to closing, I’m your go-to person. I won’t stop until I get the job done. With my friendly, energetic approach, I’ll manage your expectations throughout the entire process. I use my past knowledge to go the extra mile every time, and I won’t hesitate to work with our in-house underwriters to double-check every possibility. Other lenders may give up, but I won’t.
I’m here to review every program and resource available and will take the time to go over the details with you. Working with America’s #1 Retail Mortgage Lender in Crystal Lake, IL, I’m excited to help you achieve your homeownership dreams!
Nicole’s testimonials
Guides and resources
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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.