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14555 N Scottsdale Road, Suite 350 Scottsdale, AZ 85254 Mobile (480) 635-2362 Tel (480) 596-4569 [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
Lee Kotler
- Senior Loan Officer
- Scottsdale, AZ Mortgage Loan Officer
- NMLS #38679
I’ll be with you every step of the way
Hi, I’m Lee! After moving from Indiana to Arizona 20 years ago, where I attended Purdue University, I began my mortgage career. Since becoming a loan officer, I’ve dedicated my professional life to helping individuals and families meet their financial and homeownership goals.
As an avid sports fanatic, my aim is to score you a product that’ll help you achieve your dream home. To do this, we’ll discuss your unique circumstances to find the solution that benefits you. I’ll highlight the benefits of many mortgages, from conventional and FHA to VA and USDA, to help you get one step closer to home.
If you’ve found a loan you’re interested in or have any questions, feel free to contact me. I look forward to helping you hit a home run on your financial journey. On a personal note, I enjoy almost any sport, and I’m a proud father of both a daughter in college and a son in high school.
I’m excited to serve Scottsdale, AZ 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.