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7600 NE 41st Street, Suite 335 Vancouver, WA 98662 Mobile (503) 989-6206 Tel (360) 360-5467 [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
Chad Stratton
I’ll be with you every step of the way
Hi, I’m Chad. Born as a Military brat, I moved quite a lot as a child, but the Pacific Northwest has been the place I call home for most of my life. Now based in our Vancouver, WA branch, I sincerely enjoy helping families, particularly first-time homebuyers, achieve their dreams of homeownership. From establishing roots to upsizing as the clan grows, I’m excited to learn your goals and help you reach them.
As part of America’s #1 Retail Mortgage Lender, each home loan is unique to your specific circumstances and priorities. That’s why every mortgage process begins with a conversation about you and your future. Whether it’s a conventional mortgage, jumbo loan, or programs like FHA, USDA, or VA, we’ll find the right product for your plans. My consideration for you doesn’t end after finding a mortgage. From pre-approval to closing and into the future, I’ll always answer your questions and ensure your home loan continues to meet your changing circumstances. I look forward to being part of your home financing journey.
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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.