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8412 W Gage Blvd, Suite B Kennewick, WA 99336 Mobile (509) 460-5626 Tel (509) 241-8955 [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
Mark Manthei
- SVP, Mortgage Lending
- Kennewick, WA Mortgage Loan Officer
- NMLS #116408
I’ll be with you every step of the way
Hi, my name is Mark, and I’m dedicated to helping people achieve the dream of homeownership. I started my journey in the mortgage industry in August 2002. Over my career, I’ve helped thousands of clients achieve their homeownership goals—developing a reputation for assisting self-employed homebuyers and borrowers with complex situations close with success.
I pride myself on staying ahead of the curve, constantly training on new products and solutions to offer you as many options as possible. Whether you’re buying your first home, dream home, or refinancing, my extensive experience in real estate and home financing will be an asset in making the right decision for your future.
I believe in treating my clients like family, keeping you informed and confident every step of the way. I’m thrilled by the opportunity to work with you and help you achieve your homeownership dreams with America’s #1 Retail Mortgage Lender. Let’s take this journey together and open the doors to your new chapter!
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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.