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- Down Payment Assistance
- FHA Loan
- First-Time Homebuyers
- Purchase
Stephanie Burnham
Your biggest decision is my biggest passion
Hello! My name is Stephanie. I’ve been a mortgage professional since 2020, following a successful 15-year career in retail banking. I’m an active member of the Newnan Junior Service League and am passionate about giving back to my community. I graduated from the University of West Georgia with a bachelor’s degree in business management. I spent many years working in the restaurant industry while attending school, so exceptional customer service is second nature.
Serving clients in Georgia, Alabama and Florida with America’s #1 Retail Mortgage Lender, I enjoy working with homebuyers achieving their dreams, homeowners refinancing and real estate agents helping clients. I appreciate the challenge of finding the right loan to ensure a smooth financing process. I’m always just a call, text or email away to answer any questions.
At home, I live with my partner, three children and two dogs. In my spare time, I love trying new foods, shopping, traveling, skin care and roller coasters.
Guides and resources
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.