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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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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Ryan McCracken
I’ll be with you every step of the way
Hi, I’m Ryan, and I bring energy and commitment to every customer interaction. Since 2005, I’ve been dedicated to helping clients, team members, and partners navigate the real estate market. With 33 years in Vancouver, WA, I know the Clark County and NW markets well and take pride in helping people achieve their homeownership dreams.
My approach goes beyond just providing a mortgage—I’m passionate about building lasting relationships based on value and trust. I’ll look after your interests by offering smart financial options and unmatched customer service. Whether you’re a first-time buyer or a real estate investor, you’ll appreciate my honest approach to home financing.
As part of America’s #1 Retail Mortgage Lender, I’m excited to help you achieve your homeownership goals.
In my free time, I love spending time with my wife, Rachel, and son, Ryder. Born in Juneau, Alaska, I’ve lived in Hawaii, Missouri, Oregon, and Washington, but the Northwest is home to me.
Ryan’s testimonials
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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.