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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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Your Local CrossCountry Mortgage Loan Officer
Patrick Cunningham
- Vice President of Lending
- Fairfax, VA Mortgage Loan Officer
- NMLS # 192864
I’ll be with you every step of the way
Hello! My name is Patrick Cunningham. I was raised in Fairfax County, Virginia, then attended Centreville High School and received a baseball scholarship to attend James Madison University. At JMU, I studied business with a concentration in finance. Since graduating, I’ve been involved in the lending, mortgage banking and finance industry with a focus on residential home loans.
At America’s #1 Retail Mortgage Lender, I offer a variety of loan programs to help you take the next step. From conventional and jumbo to FHA and VA, we’ll look at the details and tailor the experience to fit your plans. I look forward to meeting you and hearing about your goals!
My wife Krista, a JMU alumnus as well, was also raised in the Fairfax area. We are proud parents of three children, and we look forward to continuing to learn and grow alongside them for years to come. When I have personal time, I love to spend time with the kids, read and play golf.
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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.
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.