Step-by-step process to getting the keys to your new home.
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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
Your Local CrossCountry Mortgage Loan Officer
Todd Gambit
- SVP of Mortgage Lending
- Chicago, IL Mortgage Loan Officer
- NMLS # 1685550
I’ll be with you every step of the way
As a SVP of Mortgage Lending at CrossCountry Mortgage, I help clients find financing that fits not just the transaction, but their entire financial life.
What sets my approach apart is perspective. I’m also an independent Registered Investment Advisor, and I hold the Certified Financial Planner (CFP®) and Certified Divorce Financial Analyst (CDFA®) designations. That means I look at a mortgage not just as a loan officer, but also the way a financial advisor would: how it affects your cash flow, investments, taxes and long-term wealth.
Whether you’re buying your first home, moving up, refinancing, investing or navigating divorce, I combine an advisor’s strategic view with the financing expertise to get your loan closed smoothly.
A mortgage is often the largest financial decision you’ll make. My financial expertise creates a unique and unmatched experience in the mortgage industry. Let’s work together to find the right loan for your next home.
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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.
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.