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413 N. Carpenter St. Suite 1W Chicago, IL 60642 Mobile (773) 827-6936 Tel (312) 500-8741 [email protected]
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- monday: 6:00AM – 8:00PM
- tuesday: 6:00AM – 8:00PM
- wednesday: 6:00AM – 8:00PM
- thursday: 6:00AM – 8:00PM
- friday: 6:00AM – 8:00PM
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- Down Payment Assistance
- First-Time Homebuyers
- Purchase
- Refinance
- Renovation Loan
Jonathan Salinas
America’s #1 Retail Mortgage Lender
Hi, I’m Jonathan, and I offer a mortgage experience you can trust. After experiencing many challenges while buying my first home, I realized how important it was to help others avoid the same pitfalls. My passion lies in crafting the best plan for reaching your homeownership goals with confidence.
As a fluent Spanish-speaking loan officer, I’m dedicated to serving a diverse range of clients in both home purchases and refinances. At America’s #1 Retail Mortgage Lender, we have extensive product options, allowing me to tailor your home loan—whether you’re buying your first home, a second home, or an investment property. I provide traditional financing through conventional, FHA, and VA programs, as well as innovative solutions, including:
- Down payment assistance
- ITIN solutions
- DACA programs
- Bridge loans
- Non-Qualified Mortgages
At CrossCountry Mortgage, you can apply in English or Spanish and get assistance from my dedicated Spanish-speaking processing team every step of the way. Let’s start your home financing journey 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.