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413 N. Carpenter St., Suite 1W Chicago, IL 60642 Mobile (512) 632-2012 Tel (512) 648-2225 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
John Burnam
I’ll be with you every step of the way
Hi, I’m John! I’ve been in the mortgage industry since 2001. For the past 24 years, I’ve had the honor of helping thousands of families make confident, informed decisions on one of life’s biggest milestones: buying a home. Home financing is more than my career — it’s my passion.
My mission is to create an exceptional homebuying experience, not just for my clients, but for everyone involved in the process. I take pride in listening, understanding each client’s unique goals and crafting a personalized strategy to get them over the finish line. Backed by America’s #1 Retail Mortgage Lender, I bring the knowledge, tools and support to help turn your dreams into reality.
Originally from Fort Worth, TX, I met my amazing wife Katie at TCU. We married in 1999 and settled in Austin the following year. We have two awesome sons, Trey (17) and Tyler (13), who keep us on our toes. I love golfing, traveling and unwinding at our family cabin in the New Mexico mountains.
Let’s make home happen together!
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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.
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.