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570 Lake Cook Road, Suite 300 Office 3035 Deerfield, IL 60015 Mobile (972) 740-0430 [email protected]
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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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- Condo Mortgage
- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Erik Forgue
Dedicated to getting it done
“Make Your Mortgage a Win with Erik at CrossCountry MortgageHi, I’m Erik, a seasoned loan officer with 25 years of mortgage experience and a proud member of the North Texas community. I’m passionate about helping people like you turn homeownership dreams into reality, whether you’re buying your first home or refinancing your current one.At CrossCountry Mortgage, we make the process simple, stress-free and personalized. My team and I bring decades of experience to the table, guiding you step-by-step — from pre-approval to closing day — with clear answers, smart solutions and mortgage options tailored just for you.Why work with me? 25+ years of mortgage expertise Local insight with national lending power Wide range of loan programs you won’t find elsewhere Trusted team dedicated to your successLet’s make your mortgage experience smooth, successful and enjoyable. Ready to take the first step? Contact me today, and let’s make your mortgage a win with America’s #1 Retail Mortgage Lender.”
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Guides and resources
Calculate two mortgage loans to see which one will save you money
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
Erik’s testimonials
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.