Shimmy & Tom Team
Your Future Our Focus
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- Purchase
- Refinance
We’ll be with you every step of the way
We’ve been together, at the forefront of the mortgage industry, for more than 20 years. We’ve closed over $2 billion in loan volume – leading to national Scotsman Guide’s Top Originators rankings year after year. As the Chicago, IL branch of America’s #1 Retail Mortgage Lender, we’re dedicated to making every mortgage feel like a win.
Our team is known throughout the real estate industry for its honesty, integrity, and excellent customer service. Mixing a personal touch with top-tier technology, we know how to close loans quickly and efficiently, leaving our clients and partners smiling. We’re proud that our customers return time and time again, along with referring us to their friends, family, and associates.
Whether you’re a first-time homebuyer or a long-time real estate investor, we’re dedicated to delivering the same gold glove standard with a comprehensive assortment of loan products that fit your goals. We look forward to being your mortgage partner for life.
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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
Shimmy’s testimonials
Meet our team
Shimmy Braun
- SVP of Mortgage Lending
- NMLS #112849
- 413 N. Carpenter St.
- Suite 1W
- Chicago, IL 60642
Tom Fishwick
- SVP of Mortgage Lending
- NMLS #224365
- 413 N. Carpenter St.
- Suite 1W
- Chicago, IL 60642
Our support staff
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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.