Step-by-step process to getting the keys to your new home.
The Hillman Team
We’ll be with you every step of the way
With branches across Arizona, California, Nevada, South Carolina we bring the power of America’s #1 Retail Mortgage Lender to the neighborhoods we proudly call home. Our team pairs the national strength of CrossCountry Mortgage with local insight, giving you direct access to the expertise, programs and support that only a top lender can provide. Search our locations and you’ll likely find a CCM branch in a community near you.
Each of our branches is led by loan officers who live, serve and invest in their communities. Their specialties run deep, whether it’s expert guidance on home loan programs, navigating the mortgage process or understanding the market you’re buying in. While each branch brings its own advantages, our team operates with a shared purpose: to deliver a seamless, standout experience from start to finish.
When you work with the #1 lender, you feel the difference. Stronger communication. Smarter solutions. A smoother path to home. That’s the power of CCM.
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Guides and resources
How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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
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Meet our team
Team Leader
Richard Hillman
- Senior Loan Officer
- NMLS #209309
- 4801 East Broadway Blvd
- Suite 511
- Tucson, AZ 85711
- [email protected]
- mobile 520.548.1555
- tel 520.900.5939
- fax 520.900.5939
Matthew Hillman
- Senior Loan Officer
- NMLS #2409952
- 140 Washington Street
- Suite 200
- Reno, NV 89503
- [email protected]
- mobile 775.813.1818
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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.