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2162 E Williams Field Road, Office 07 and Office 21 Gilbert, AZ 85295 Mobile (425) 508-2202 Tel (480) 900-0882 [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
Martin Metzdorf
- Originating Branch Manager
- Gilbert, AZ Mortgage Loan Officer
- NMLS #387719
I’ll be with you every step of the way
Hello! I’m Martin Metzdorf, your trusted mortgage advisor with over 23 years of home financing experience. As a branch manager at CrossCountry Mortgage, I’m dedicated to empowering real estate agents and loan officers to navigate the complexities of today’s market and achieve their professional aspirations.
My journey in the mortgage business began before the turn of the millennium, when I quickly developed a passion for connecting people with their dream homes. Working alongside some of the most talented professionals in the industry, we’ve collectively enhanced the lives of countless clients through tailored mortgage solutions. I believe in creating lasting memories and sharing my love for adventure with my children.
When I’m out of the office, I’m a family man, a passionate investor, an avid golfer, and an enthusiast of the great outdoors. I look forward to meeting with you and exploring how we can achieve your real estate goals together at America’s #1 Retail Mortgage Lender. Let’s connect soon!
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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.
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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.