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Your Local CrossCountry Mortgage Loan Officer
Justus Foss
- Outside Loan Originator
- Bloomington, MN Mortgage Loan Officer
- NMLS # 1588344
I’ll be with you every step of the way
As your trusted mortgage advisor, I’m dedicated to finding the right loan for you. I’ll take the time to understand your unique goals and circumstances. With my background as a licensed therapist, school counselor and psychology instructor, I bring a unique level of education and understanding to your mortgage experience. To me, each mortgage is a relationship, not just a transaction.
My commitment to availability and transparency means you can count on me to be there for you. I prioritize open communication, keep you informed and up-to-date, and make sure you are comfortable every step of the way. I work hard upfront so you can focus on what really matters – choosing the perfect paint color for your new home without worrying about tracking down missing documents.
I grew up in Fargo, ND playing hockey and soccer and cherishing time with family and friends. My wife and I are proud parents of our two-year-old son, Beckham, and we share our home with a Goldendoodle and a black Lab.
Guides and resources
How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.
Justus’s Reviews
Inspiration for your home loan journey
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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.