-
- monday: 8:00AM – 9:00PM
- tuesday: 8:00AM – 9:00PM
- wednesday: 8:00AM – 9:00PM
- thursday: 8:00AM – 9:00PM
- friday: 8:00AM – 9:00PM
- saturday: 8:00AM – 9:00PM
- sunday: 8:00AM – 9:00PM
-
- Construction Loan
- First-Time Homebuyers
- Purchase
- Refinance
- Renovation Loan
Gail Vinje
I’ll be with you every step of the way
Gail Vinje – Mortgage Industry Expert with 30 Years of Experience
With three decades in the mortgage industry, I’ve had the privilege of guiding clients through some of life’s most significant milestones – helping them purchase their first homes, upgrade to their second and third, and now, assisting the next generation as their children embark on their own homeownership journeys. There is no greater compliment than the trust that spans generations, and I am honored to be a part of these lifelong financial journeys.
My deep commitment to providing the highest level of client service has been at the core of my career. I take pride in my long-standing involvement with esteemed industry organizations such as NARI and Housing First MN (BATC), which reflect my dedication to excellence and staying at the forefront of industry trends.
Whether you’re buying your first home or your forever home, I want to make the mortgage process seamless, informative, and tailored to your unique goals. Start your journey with America’s #1 Retail Mortgage Lender!
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.