How much does it cost to refinance?

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. Learn more

How much house can I afford?

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. Learn more

What is a good credit score?

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. Learn more

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. Learn more

How do I calculate mortgage payments?

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. Learn more

5950 Fairview Road, Suite 712
Charlotte, NC 28210 Tel (470) 577-7854 [email protected]

Your Local CrossCountry Mortgage Loan Officer

Swayam Sarkar

Loan Officer
Charlotte, NC Mortgage Loan Officer
NMLS #2688629

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I’ll be with you every step of the way

Hello! I’m Swayam, your dedicated loan officer at America’s #1 Retail Mortgage Lender. I might be the youngest loan officer, licensed at just 18 years old. This gives me a bold vision to help you achieve your goals by approaching home financing from a new perspective.

No matter if this is your first mortgage or ninth, you are my priority. I’ll start by listening to your goals and showing you how we can achieve them. We’ll discuss the steps between applying for financing and closing your loan. I’ll provide updates on your loan status, and we’ll walk together each step of the way.

Whether you want to buy, refinance or renovate, I offer a variety of loan programs to help achieve your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit your plans. I look forward to starting your home financing journey!

Off the clock, I dabble in photography focused on sports and nature. I also enjoy walking and trying new places to eat.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come.

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it?

Our home equity programs can help you achieve that dream. These include:

Closed End Second Loan
Home Equity Line of Credit (HELOC)
Cash-Out Refinance

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today.

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