Your Bloomington, Minnesota mortgage experts
Your Future Our Focus
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7760 France Ave. S, Suite 1010 Bloomington, MN 55435 Branch NMLS #2039102
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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
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
Guides and resources
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
Testimonials
Meet our team
Mike Karon
- Director of Sales and Branch Support
- NMLS #310776
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 763-438-8113
- tel 612-445-9622
- fax 612-445-9629
Leslie Vanderwerf
- Senior Loan Officer
- NMLS #335509
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 612-910-8875
- tel 651-200-6556
- fax 612-445-9627
Gail Vinje
- Senior Loan Officer
- NMLS #335942
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
Aaron Abed
- Regional Sales Manager
- NMLS #335548
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 612-386-6575
- tel 612-386-6575
- fax 763-297-2112
Andy Riemenschneider
- Senior Mortgage Planner
- NMLS #409653
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 651-248-3788
- tel 763-284-5124
Joe Decker
- Senior Loan Originator
- NMLS #340199
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 612-360-7774
- tel 651-200-6555
- fax 612-445-9605
Sami Sanders
- Outside Loan Originator
- NMLS #2271538
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
Julia Ruby
- Loan Originator
- NMLS #360609
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 651-238-4998
Jordan Branch
- Originating Branch Manager
- NMLS #2247937
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 828-404-6539
Timothy Bringard
- Mortgage Consultant
- NMLS #2702201
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 910-471-1252
Our support staff
Jennifer Harazin
Divisional Vice PresidentTracy Kivley
Senior Loan Processor
Morgan Carey
Branch Marketing Manager
Jaisa Riemenschneider
Business Development SpecialistKady Hexum
Midwest Division Operations DirectorKrista Fisher
Senior Processing LeadJennifer Hight
ProcessorSamanta Migel
ProcessorKasey Hexum
Midwest Division Branch AdministratorKatie Vanderwerf
Disclosure Desk Team LeadGeorge Morgan
Branch Operations AssistantRichard Dybdahl
Loan Officer AssistantBrian Seligmiller
Branch Operations ManagerNicole Golden
Senior Loan ProcessorSyra Lynne Gomez
Verifications SpecialistTara Dorsett
Loan PartnerMy social posts
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.