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Your Cincinnati, Ohio home loan experts

We’ll be with you every step of the way

As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.

Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.

Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.

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Better Business Bureau Award Scotsman Guide Top Workplaces 2026 2025 Scotsman Guide Top Mortgage Lenders Award 2025 The Plain Dealer Top Workplaces Award

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.

A daughter hugging her mother while she is researching mortgage opportunities in their home.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Get Pre-approved

Inspiration for your home loan journey

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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Young couple holding hands while walking in front of a home, representing today's first-time homebuyers.

First-Time Homebuyer Statistics: Why the Average Buyer Is 40

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Couple sits down with mortgage loan officer to calculate how much it would cost for them to refinance.

How Much Does It Cost to Refinance a Mortgage?

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It’s your time to buy.

Homebuying is always in season. You may be thinking of a first home. Or it could be time for a vacation home or investment property. Start now with a pre-approval and you’ll be ready to buy when you see what you want. No matter the home, we’ve got the loan.

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Meet our team

Jordan Romes Photo
Branch Leader

Jordan Romes

  • Sales Manager
  • NMLS #1772021
  • 2025 Scotsman Guide Top Emerging Stars Award
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Sarah Dixon Photo

Sarah Dixon

  • Inside Loan Originator
  • NMLS #2734852
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Tyler Arnold Photo

Tyler Arnold

  • Loan Officer
  • NMLS #1718930
  • 2025 Scotsman Guide Top Emerging Stars Award
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
John Bose Photo

John Bose

  • Senior Loan Officer
  • NMLS #436456
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Terri Olsson Photo

Terri Olsson

  • Senior Loan Officer
  • NMLS #437353
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Matthew Wetherill Photo

Matthew Wetherill

  • Sales Manager
  • NMLS #2570831
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Emmanuel Jamison Photo

Emmanuel Jamison

  • Senior Loan Officer
  • NMLS #2249824
  • 2025 Scotsman Guide Top Emerging Stars Award
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Leslie Chappel Photo

Leslie Chappel

  • Senior Loan Officer
  • NMLS #439603
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Stephanie Norris Photo

Stephanie Norris

  • Loan Officer
  • NMLS #890395
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Don Duckworth Photo

Don Duckworth

  • Senior Loan Officer
  • NMLS #1716722
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Maevelyn Watts Photo

Maevelyn Watts

  • Senior Loan Officer
  • NMLS #2497937
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Jon Mavriplis Photo

Jon Mavriplis

  • Senior Loan Officer
  • NMLS #2562498
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Jeff Adams Photo

Jeff Adams

  • Sales Manager
  • NMLS #1851495
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Bill White Photo

Bill White

  • Senior Loan Officer
  • NMLS #2268018
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Steven Guajardo Photo

Steven Guajardo

  • Inside Loan Originator
  • NMLS #2786113
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Joseph Amegadzie Photo

Joseph Amegadzie

  • Inside Loan Originator
  • NMLS #2786498
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Elias Gutierrez Photo

Elias Gutierrez

  • Senior Loan Advisor
  • NMLS #2794865
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Mike Kiley Photo

Mike Kiley

  • Senior Loan Officer
  • NMLS #1079826
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Jason Schewe Photo

Jason Schewe

  • Loan Consultant/Advisor
  • NMLS #2086522
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Rayven Holloway Photo

Rayven Holloway

  • Loan Officer
  • NMLS #2810875
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website
Zach Creech Photo

Zach Creech

  • Inside Loan Originator
  • NMLS #2840856
  • 10856 Reed Hartman Hwy. Suite 250
  • Cincinnati, OH 45242
Apply Now Visit My Website

Our support staff

Tristen Roth

Tristen Roth

Junior Loan Processor
Michael Romes

Michael Romes

Non-Originating Branch Manager
Edward Virant

Edward Virant

Branch Operations Manager
Jennifer Hall

Jennifer Hall

Loan Processor
Andrew Moore

Andrew Moore

Sales Assistant
Julie Whitson

Julie Whitson

Senior Loan Processor
Laura Hoff

Laura Hoff

Senior Loan Processor
Danielle Bicknell

Danielle Bicknell

Loan Processor
Josh Fiscus

Josh Fiscus

Senior Loan Processor
Tina Creech

Tina Creech

Loan Coordinator
Missie Whitton

Missie Whitton

Loan Processor
Imran Logmann

Imran Logmann

Branch Marketing Intern
Delton Colvard

Delton Colvard

Marketing Intern
Bryan Waibel

Bryan Waibel

Branch Marketing Intern
Kristena Hudson

Kristena Hudson

Marketing Intern

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Frequently asked questions

  • 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

  • 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

  • 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

  • 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
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