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600 University Street, Suite 1701 Seattle, WA 98101 Mobile (253) 261-6012 Tel (206) 529-5087 [email protected]
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- monday: 6:00AM – 4:00PM
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- Conventional Loan
- FHA Loan
- Jumbo Loan
- Refinance
- VA Loan
Christopher Crome
I’ll be with you every step of the way
Hi, I’m Christopher, a Western Washington native. I’ve been originating loans for more than 20 years, offering a wealth of knowledge and experience in home financing. I’ve been recognized by Mortgage Executive Magazine for being in the Top 1% of Mortgage Originators in America. My success is rooted in how my team and I conduct our business: our client’s needs determine our team’s goals.
As part of our Seattle, WA branch of America’s #1 Retail Mortgage Lender, whether you’re a first-time homebuyer or a long-time real estate investor, rest assured that my team and I will walk you through each step of the loan process and address any questions you have. We offer a range of mortgage solutions, including conventional, jumbo, FHA, VA, renovation, construction, reverse, and refinance loan programs. Together, we’ll find the right one for you.
From application to closing, I look forward to making your mortgage experience pleasant and memorable by delivering the level of communication and service you deserve.
Guides and resources
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.
Christopher’s testimonials
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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.