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7878 North 16th Street, Suite 255 Phoenix, AZ 85020 Mobile (520) 260-4846 Tel (520) 260-4846 [email protected]
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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
Chris Lawler
I’ll be with you every step of the way
Hi, I’m Chris. For me, getting people into good homes goes beyond home financing. My team donates $50 per closed loan to organizations that support fostering and adoption in Arizona. We’re proud to have supported our community for the last 14 years by helping everyone find comfort and security. Now, I’m excited to help you take the first step toward achieving your own homeownership dreams.
Home financing is a personal process. Each mortgage is unique to your goals and circumstances. Whether you need a conventional mortgage, jumbo loan, or qualify for programs like FHA, USDA, or VA, we’ll find the right product for you. I live by the Michael J. Fox quote, “Family is not an important thing, it’s everything.” My wife Caitlyn and I have four amazing children and another on the way. I know how important it is to secure your family’s future, and I can’t wait to help you find the perfect home. Let’s work together to achieve your goals with America’s #1 Retail Mortgage Lender.
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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.