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2220 South State Route 157, Suite 225 Glen Carbon, IL 62034 Mobile (217) 433-9912 Tel (618) 703-5479 [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
Karylle Wike
- SVP / Area Manager Metro East and Central Illinois
- Glen Carbon, IL Mortgage Loan Officer
- NMLS #546659
I’ll be with you every step of the way
Hi, I’m Karylle, and with more than 25 years in the mortgage industry, I’ve learned what it takes to ensure a smooth loan process. Every buyer is different, with unique circumstances, needs, and goals. Clear communication and teamwork are critical to reaching the finish line and meeting contract deadlines, which is why my team and I have mastered these skills to move you swiftly to closing.
When you work with me, I’ll put myself in your shoes and relate to your individual story. I specialize in conventional mortgages, construction loans, and government programs. As part of the Glen Carbon, IL team with America’s #1 Retail Mortgage Lender, I’m dedicated to helping you reach your goals.
Over the past two years, I’ve helped over 1,200 households achieve their homeownership dreams, been a top producer in the central region of Illinois with IHDA since 2015, and 95% of my business comes from agent referrals and repeat clients. I look forward to providing you with the same incredible customer service and success.
Karylle’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.