-
111 Continental Drive, Suite 111 Newark, DE 19713 Mobile (302) 229-7124 Tel (302) 229-7124 [email protected]
-
- 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
-
- Purchase
- Refinance
Christopher Patille
I’ll be with you every step of the way
Hi, I’m Christopher. Over the last 11 years, I’ve found my passion in educating first-time homebuyers and ensuring their purchase is a smooth experience. I take it upon myself to build a relationship with every client through clear conversations about their wants and needs. Clients I helped early on now call me for refinances, vacation homes, and investment properties. No matter your goal, I’m dedicated to getting it done as part of America’s #1 Retail Mortgage Lender.
Those who have worked with me know I keep things fun while staying committed and punctual. Every home purchase is unique, and I promise to give your home financing a personal touch. Whether a conventional mortgage meets your requirements, a jumbo loan suits your big dreams, or you qualify for programs like FHA, USDA, or VA, we’ll find the right loan to achieve your homeownership dreams.
From pre-approval to closing and beyond, I look forward to providing you with outstanding customer service and a personalized home financing experience.
Christopher’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.