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700 Nexton Square Drive, Office 144 Summerville, SC 29486 Mobile (843) 499-3378 Tel (843) 666-0675 [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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- Conventional Loan
- Down Payment Assistance
- FHA Loan
- First-Time Homebuyers
- VA Loan
Jana Chinners
- Senior Loan Officer
- Summerville, SC Mortgage Loan Officer
- NMLS #2394091
I’ll be with you every step of the way
Hi, I’m Jana. Congratulations! You’ve made the decision to invest in your future. Whether you’re buying, refinancing, or renovating, you want to feel confident in who is taking you to the finish line. As part of our Summerville, SC branch of America’s #1 Retail Mortgage Lender, my top priority is giving you personal guidance every step of the way.
I firmly believe communication is key to making the mortgage process as seamless as possible. That begins with us discussing your goals and priorities – because every client is unique. We can discuss many different types of home loans, allowing us to find the right loan for your home. As your mortgage progresses, you’ll get updates to ensure you’re informed and that we’re moving toward closing with ease.
This is an exciting time to be a homeowner. Whatever your dreams may be, I look forward to providing you with a home financing experience you won’t forget.
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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.