-
- monday: 9:00AM – 6:00PM
- tuesday: 9:00AM – 6:00PM
- wednesday: 9:00AM – 6:00PM
- thursday: 9:00AM – 6:00PM
- friday: 9:00AM – 6:00PM
- saturday: 10:00AM – 2:00PM
-
- Down Payment Assistance
- First-Time Homebuyers
- Home Equity
- Purchase
- Refinance
Shane Mallicoat
Your biggest decision is my biggest passion
Hi, I’m Shane, and whether you’re purchasing or refinancing, the mortgage process can feel overwhelming at times—I know because I’ve been there as a new homeowner. That’s why I treat every client, referral partner, and co-worker like family. From application to closing and beyond, I’ll be right by your side, offering clear guidance and finding the right loan scenario for you.
With 15 years of management experience in financial services, I’ve helped clients and colleagues achieve their goals. Now, I’m excited to focus on what I love most: mortgage lending. As a loan officer at our Cleveland, OH branch, I’m proud to offer the resources of America’s #1 Retail Mortgage Lender to make your home financing experience successful.
A native Northeast Ohioan and a graduate of the University of Akron, I have deep connections with local professionals who can assist you throughout your homeownership journey. Whether you’re buying your first home, trading up, or refinancing, give me a call, and we’ll make your dream home a reality.
Shane’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.