-
- Purchase
- Refinance
George Kamberos
I’ll be with you every step of the way
Hi, I’m George, and as my business is 100% referral-based, efficient communication is vital to my success. Based in our Chicago, IL branch, I have been originating mortgages for over 12 years now and have successfully provided over $600,000,000 in loans to homebuyers and homeowners. My passion for real estate comes from growing up watching my father work as a general contractor, renovating homes in the Chicagoland area. This interest led me to become a buyer at a young age, flipping my first condominium just one year after graduating from Loyola University Chicago.
As part of America’s #1 Retail Mortgage Lender, you can count on me to go the extra mile. Each client’s priorities and circumstances are different, and their mortgage should be tailored to their situation. After our initial conversation where we discuss your specific goals, I will present tailored mortgage options and explain the pros and cons of each. I aim to build trust with you, make our time together enjoyable, and ultimately be your financing partner for life.
George’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.