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320 Seven Springs Way, Suite 250 Office 225 Brentwood, TN 37027 Tel (615) 610-9987 [email protected]
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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
Sam McMullen
- Originating Branch Manager
- Brentwood, TN Mortgage Loan Officer
- NMLS #1605300
I’ll be with you every step of the way
Hi, I’m Sam. With more than 12 years of experience in this industry, I’m committed to exceeding your expectations and getting your loan closed ON TIME. I believe that over-communication with clients and agents is essential to ensuring a smooth transaction, and I make it a priority to keep everyone informed throughout the entire mortgage process. I know that buying a home can be stressful, so I’m here to make the experience as seamless and efficient as possible for you.
My role is to serve you, the client, by guiding you through each stage of the loan process and ensuring all your questions are answered along the way. Based in Brentwood, TN, and working with America’s #1 Retail Mortgage Lender, I’m excited to provide you with the highest level of service to help you achieve your homeownership goals. Once the transaction is complete, I want you to be able to say, “I had the best home buying experience!” Let’s work together to make that happen today!
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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.
Inspiration for your home loan journey
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.