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1130 Kennebec Drive Chambersburg, PA 17201 Mobile (717) 729-1415 Tel (717) 398-3781 [email protected]
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- monday: 8:30AM – 5:00PM
- tuesday: 8:30AM – 5:00PM
- wednesday: 8:30AM – 5:00PM
- thursday: 8:30AM – 5:00PM
- friday: 8:30AM – 5:00PM
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- Conventional Loan
- Divorce
- Down Payment Assistance
- First-Time Homebuyers
- Investment Property
- Purchase
- Refinance
- VA Loan
Your Local CrossCountry Mortgage Loan Officer
Michelle Rebok
- Originating Branch Manager
- Chambersburg, PA Mortgage Loan Officer
- NMLS #475194
America’s #1 Retail Mortgage Lender
Hi, I’m Michelle, branch manager at the Chambersburg, PA branch of America’s #1 Retail Mortgage Lender. Before focusing on home financing, I spent several years in banking, where I found my passion for helping individuals and families achieve homeownership. I became a loan officer in 2005. My strong communication skills and background in customer service allow me to provide personalized, comprehensive support throughout the home financing process.
As a Certified Veteran Mortgage Advisor, I specialize in VA loans, offering tailored expertise and education to Veterans and their families. I also offer a variety of loans, including USDA, FHA, conventional, down payment assistance, and non-traditional programs like DSCR and bank statement loans. Together, we’ll find the right one for you.
Beyond the office, I was honored to receive the 2023 Ambassador of the Year award from the CVBA Chamber. I also volunteer with Habitat for Humanity and Franklin County Veteran’s Affairs.
Guides and resources
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.
Michelle’s testimonials
Inspiration for your home loan journey
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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.
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1. Pre-qualify for a home loan
2. Check your credit report
3. Meet with a CCM loan officer
4. Establish your homebuying budget
5. Get pre-approved
6. Work with a real estate agent
7. Find your dream home
8. Submit your mortgage application
9. Make an offer
10. Get a home inspection
11. Close your loan
12. Move into your home!
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It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.
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It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.
At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.
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First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.
Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.
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That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.
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Before you find your dream home, it will help to have:
- Your credit score
- Proof of employment and income
- Cash or assistance for a down payment
- The right loan
- A homebuying budget
- An expert real estate agent
- Your dedicated CCM loan officer