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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
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- Purchase
- Refinance
Mary Bell
- Sr. Loan Officer
- Cleveland, OH Mortgage Loan Officer
- NMLS #212806
I’ll be with you every step of the way
Hi, I’m Mary, a trusted loan advisor at the Cleveland, OH branch of America’s #1 Retail Mortgage Lender. I’ve been in the business for over 23 years and take pride in what I do for my clients. I’m available for you day or night, as each person’s schedule and shift are very different. I’ll guide you through the entire process, so please don’t ever hesitate to call me at any time!
I truly love helping make homebuying dreams come true. That includes learning new products to help you save money and make life easier. I specialize in a wide range of home purchase and refinance loans, including conventional, FHA, VA, 203(k), and first-time homebuyer programs. Together, we’ll find the right loan to achieve your homeownership dreams.
On a personal note, I’m the proud mother of four beautiful girls, and my boyfriend has two amazing young men. We’re all avid dart players who play together in leagues. I love taking the girls to the beach every year and creating great memories.
Mary’s testimonials
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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.