Your Monroe, Michigan mortgage experts
Your Future Our Focus
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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
- saturday:
- sunday:
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- Purchase
- Refinance
We’ll be with you every step of the way
Home financing is more than a single loan – it’s about our communities. We have more than 50 years of mortgage experience with empathetic employees that understand our clients’ goals. From first-time homebuyers building a new life to homeowners improving their finances using home equity, they ensure clients receive the most efficient and seamless service possible.
Our team is filled with dedicated loan officers living, supporting and serving Monroe, MI, and our surrounding communities. They offer unique specialties, from expert knowledge of home loan programs and the mortgage process to the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
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.
Inspiration for your home loan journey
Chad’s testimonials
Meet our team
Carl Dingledine
- Loan Originator
- NMLS #965431
- 15268 S. Monroe St. Suite 101
- Monroe, MI 48161
Chad Fuller
- Originating Branch Manager
- NMLS #897147
- 15268 S. Monroe St. Suite 101
- Monroe, MI 48161
- [email protected]
- mobile 734-308-0447
- tel 734-282-4088
- fax 805-299-4595
Wesley Smith
- Sr. Loan Officer
- NMLS #1167968
- 15268 S. Monroe St. Suite 101
- Monroe, MI 48161
Our support staff
Lydia Shank
Loan Processor
Elysa Roberts
Loan Processor AssistantMy social posts
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.