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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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- First-Time Homebuyers
- Investment Property
- Non-QM Loans
- Purchase
- Refinance
Michael Campbell II
- Sales Manager/Loan Originator
- Crystal Lake, IL Mortgage Loan Officer
- NMLS #229504
America’s #1 Retail Mortgage Lender
Hi, I’m Michael, and for eighteen years, I’ve served as a client advocate and reliable contact for my referral partners. Motivation, knowledge, and energy are what drive me to provide excellent service to everyone I work with. I focus on making sure my clients, agents, and referral partners feel comfortable and confident throughout the homebuying process..
Over the years, I’ve learned that there are a variety of options for most homebuyers. My job is to keep clients informed of all available loan options so they can make the best decision. I continuously stay up-to-date on new loan programs, niche products, and regulations to better assist my clients. Teaming up with experienced professionals in the industry allows me to ensure everything is handled with care.
Above all else, I love what I do, and I’m excited to help the next individual or family that calls looking for guidance. Working through America’s #1 Retail Mortgage Lender, I’m ready to help you achieve your homeownership goals in Crystal Lake, IL!
Michael’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.