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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Kyle Spina
- Senior Loan Officer
- Allentown, PA Mortgage Loan Officer
- NMLS #2635619
I’ll be with you every step of the way
Hello! My name is Kyle. With a background as a former NCAA wrestler and a strong academic foundation in history, English and special education, I bring a unique and diverse perspective to my role as a loan officer. My journey began with two years of teaching, where I developed a deep appreciation for helping others. But it was through my passion for real estate and finance that I truly found my calling. I transitioned to home financing to help individuals and families navigate one of the most significant milestones of their lives – purchasing a home.
I’m committed to providing clients with an exceptional home financing experience. I continually educate myself on the latest industry trends and financial strategies to ensure I can offer the most effective solutions. My goal is to make your life easier by guiding you every step of the way, breaking down the many loan solutions available at America’s #1 Retail Mortgage Lender and helping you make the right decision for your future.
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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.
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.