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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
Colby McClellan
- Loan Officer
- Cornelius, NC Mortgage Loan Officer
- NMLS # 2781606
I’ll be with you every step of the way
Hello! My name is Colby McClellan. I have experience in residential solar, commercial infrastructure development for EV charging and real estate investing. These roles gave me firsthand insight into the financial and property decisions homeowners and investors face, and I use that knowledge to help clients confidently navigate home financing.
When you work with me, I take the time to understand your goals and walk you through the process step by step. I’ll help you explore the right options, including conventional, jumbo, FHA and VA financing, so you can make informed decisions that support your long-term plans.
Customer service is what made CrossCountry Mortgage America’s #1 Retail Mortgage Lender, and it’s the standard I bring to every client relationship. My goal is to make your mortgage experience clear, smooth and stress free from application to closing.
Outside of work, I’m passionate about music and perform in marching percussion, including with the Carolina Panthers organization.
Colby’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.