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3401 Mallory Lane, Suite 100 & 200 Office 126 Franklin, TN 37067 Mobile (615) 260-8806 Tel (615) 590-9372 [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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- Purchase
- Refinance
Shane Huffman
Dedicated to getting it done
Hi, I’m Shane. As a dedicated loan officer for almost five years in Franklin, TN, I’ve had the pleasure of helping many families achieve their dream of homeownership. Having lived in Tennessee for over 40 years, I have developed a deep understanding of the local real estate market and have cultivated strong relationships with various lenders and real estate professionals.
My approach to home financing is rooted in efficiency, friendliness, and clear communication. I take pride in navigating the complexities of the mortgage process to find solutions that best suit my clients’ needs. Whether I’m helping first-time homebuyers secure their home or assisting long-time homeowners with refinancing, my goal is always to provide a seamless and stress-free experience at America’s #1 Retail Mortgage Lender.
Outside of work, I’m a devoted husband and father to two—one in college at Tennessee Tech University and one high schooler. In my free time, I enjoy spending time at Center Hill Lake, indulging in surfing and lake life.
Shane’s testimonials
Guides and resources
My social posts
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.
I’d love to hear from you.
-
3401 Mallory Lane, Suite 100 & 200 Office 126 Franklin, TN 37067 Mobile (615) 260-8806 Tel (615) 590-9372 [email protected]
-
- 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
-
- Purchase
- Refinance
Shane Huffman
Dedicated to getting it done
Hi, I’m Shane. As a dedicated loan officer for almost five years in Franklin, TN, I’ve had the pleasure of helping many families achieve their dream of homeownership. Having lived in Tennessee for over 40 years, I have developed a deep understanding of the local real estate market and have cultivated strong relationships with various lenders and real estate professionals.
My approach to home financing is rooted in efficiency, friendliness, and clear communication. I take pride in navigating the complexities of the mortgage process to find solutions that best suit my clients’ needs. Whether I’m helping first-time homebuyers secure their home or assisting long-time homeowners with refinancing, my goal is always to provide a seamless and stress-free experience at America’s #1 Retail Mortgage Lender.
Outside of work, I’m a devoted husband and father to two—one in college at Tennessee Tech University and one high schooler. In my free time, I enjoy spending time at Center Hill Lake, indulging in surfing and lake life.
Shane’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.