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5 Centerpointe Drive, Suite 300 Lake Oswego, OR 97035 Mobile (541) 514-4525 Tel (503) 782-4832 [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
Kyle McVicar
- Sr. Loan Officer
- Lake Oswego, OR Mortgage Loan Officer
- NMLS #2040316
I’ll be with you every step of the way
Hi, I’m Kyle, a trusted loan officer at CCM’s Lake Oswego, OR branch. Buying a new home or refinancing your current loan is a big decision. As your mortgage advisor, I’ll treat you the way I would like to be treated. I’ll offer you expert consultation while providing you with unique, personal attention to make sure you reach your goals. With flexible terms and affordable plans personalized to fit your scenario, I’m confident in getting you a home loan.
When you work with America’s #1 Retail Mortgage Lender, you can expect 100% commitment every step of the way. I’ll take the time to explain my collection of products, from conventional and FHA to VA and USDA loans. Together, we’ll find the one that works for you.
I understand that the mortgage world can be complex – so I’ll answer all your questions to ensure peace of mind. Whether you’re purchasing your starter home or refinancing your existing home, I can’t wait to help you reach your home financing milestone.
Kyle’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.