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645 West Carmel Drive, Suite 170 Carmel, IN 46032 Mobile (317) 660-1739 Tel (463) 213-3057 [email protected]
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- monday: 7:00AM – 6:00PM
- tuesday: 7:00AM – 6:00PM
- wednesday: 7:00AM – 6:00PM
- thursday: 7:00AM – 6:00PM
- friday: 7:00AM – 6:00PM
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- Purchase
- Refinance
- Reverse Mortgage
Rock Planck
- Reverse Mortgage Specialist
- Carmel, IN Mortgage Loan Officer
- NMLS #330410
Financing futures with reverse mortgages
Hello, I’m Rock, a highly respected figure in the mortgage industry with over 30 years of experience. My expertise is recognized by the industry’s top designations: Certified Mortgage Banker (Master) and Accredited Mortgage Professional from the Mortgage Bankers Association of America (MBAA). The Master CMB is the pinnacle achievement, signifying my proficiency in home financing.
As part of our Carmel, IN team at America’s #1 Retail Mortgage Lender, I bring a wealth of experience to every client I serve. My dedication is evidenced by my participation in the MBAA Future Leader program and winning the prestigious Willis Bryant Award for academic excellence and leadership. Throughout my career, I’ve led teams in roles including Executive Vice President, National Director, and Mortgage Consultant, earning membership in President’s and Chairman’s Clubs.
I’m an avid motorcyclist and fisherman, a competitive shooter, and a devoted companion to my energetic dog, Josie, and my wife, Beth, a licensed mental health professional.
Rock’s testimonials
Guides and resources
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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.