How much does it cost to refinance?

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. Learn more

How much house can I afford?

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. Learn more

What is a good credit score?

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. Learn more

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. Learn more

How do I calculate mortgage payments?

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. Learn more

210 South Broad Street Monroe, GA 30655 Mobile (770) 842-4967 Tel (470) 273-3665 [email protected]
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- First-Time Homebuyers
- Jumbo Loan
- Purchase
- Refinance

Your Local CrossCountry Mortgage Loan Officer

Mindy McLean

Senior Loan Officer
Monroe, GA Mortgage Loan Officer
NMLS #2023114

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Finding and financing dream homes

Hi, I’m Mindy, and I’m dedicated to making your mortgage a win! I love serving my Bethlehem, GA community as a loan officer, bringing homeownership dreams to life in the place I call home.

Whether you’re buying or refinancing, the mortgage process might seem stressful. But that’s not the case with CrossCountry Mortgage. My team and I have years of experience helping clients close with confidence. I’ll answer your questions in simple terms, help you through each step in home financing and do everything in my power to help you go from getting pre-approved to relaxing at home in no time.

With CCM, you get more than a smooth process – you get more mortgage options, too. We have client favorites like conventional, FHA, VA, and USDA loans, plus a selection of programs you won’t find anywhere else.

Ready to take the first step toward your homeownership dreams? Reach out to me and make your mortgage a win 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.

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A family plays together peacefully knowing they found the best option to help them reach financial wellness.

A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Save on Your Mortgage Every Month

Say Bye-Bye PMI

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI).

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

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Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it?

Our home equity programs can help you achieve that dream. These include:

Closed End Second Loan
Home Equity Line of Credit (HELOC)
Cash-Out Refinance

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today.

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options:

Home loans with as little as 3% down
Temporary buydowns to lower your mortgage rate at the start of your loan
Down payment assistance from national and state programs
Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership. Let’s discuss your options today.

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