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5500 Main Street, Suite 304 Williamsville, NY 14221 Mobile (716) 863-3713 Tel (716) 271-0355 [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
Michael Burke
- Originating Branch Manager
- Williamsville, NY Mortgage Loan Officer
- NMLS #680412
I’ll be with you every step of the way
Hi, I’m Michael, a trusted loan officer at our Williamsville, NY branch with America’s #1 Retail Mortgage Lender. As a proud dad to three amazing daughters and a high school lacrosse coach for 18 years, I’ve learned how to work with individuals from diverse backgrounds in a positive way. Those same skills drive my passion for helping clients meet their homeownership goals.
Whether this is your first home, your next home, a refinance, or an investment property, I’ll guide you with clear communication that gives you confidence in your choices. I offer a wide range of products, from conventional and jumbo to FHA, VA, and renovation loans. Together, we’ll walk through each step of your home financing journey.
From pre-approval to closing and beyond, I’ll make sure you always know what’s happening with your mortgage and be available to answer any questions along the way. I look forward to providing you with the personalized loan experience and outstanding customer service you deserve.
Michael’s testimonials
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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.