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- monday: 8:30AM – 7:00PM
- tuesday: 8:30AM – 7:00PM
- wednesday: 8:30AM – 7:00PM
- thursday: 8:30AM – 7:00PM
- friday: 8:30AM – 7:00PM
- saturday: 8:30AM – 7:00PM
Your Local CrossCountry Mortgage Loan Officer
Chris Caldwell
- Senior Loan Officer
- Asheville, NC Mortgage Loan Officer
- NMLS #1996815
America’s #1 Retail Mortgage Lender
Hello! I’m Chris Caldwell with CrossCountry Mortgage in Asheville, NC. Since 1997, I’ve built my business on a simple belief: delivering an exceptional client experience. I’m honored to have been recognized by Experience.com as a top customer-service rated mortgage professional — a reflection of the care and communication my team delivers daily.
I specialize in guiding first-time buyers, self-employed clients, investors, Veterans using VA benefits, credit-challenged buyers, and refinances. My approach is highly personalized, taking time to outline smart loan strategies and ensure you feel confident at every step.
Clients and agents value my ability to keep deals moving smoothly from contract to closing. Backed by America’s #1 retail mortgage lender, we deliver a seamless process with a personal touch.
I live locally with my family and proudly serve on the board of the WNCDSA. If you’re looking for trusted guidance and a mortgage experience designed around you, I would be honored to connect.
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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.