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  • 5 Centerpointe Drive, Suite 300 Lake Oswego, OR 97035 Mobile (503) 332-4568 Tel (503) 782-4844 [email protected]
    • 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
    • Purchase
    • Refinance
Your Local CrossCountry Mortgage Loan Officer

Tony Gillard

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  • Mortgage Advisor
  • Lake Oswego, OR Mortgage Loan Officer
  • NMLS #120989

I’ll be with you every step of the way

Hi, I’m Tony, I love what I do and have been doing it for over 18 years! There is no greater privilege than to help someone secure their future home or improve a family’s budget by saving on their mortgage payment. As a member of our Lake Oswego, OR team, I’m proud to offer the resources of America’s #1 Retail Mortgage Lender to make that happen.

My team and I serve our clients with the most attentive customer experience possible, finding the right home loan, and working efficiently for a smooth, on-time close. My goal is to make you a raving fan for life who will return to me for your future loans and trust me enough to send your friends and family my way.

If you’re a real estate agent looking for a dedicated partner, I’d like to hear from you. Together, we can give clients a smooth, transparent process.

Whether you’re buying, refinancing, or renovating, trust America’s #1 Retail Mortgage Lender to give you an outstanding mortgage experience.

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

  • 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.

  • 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.

  • 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. 

  • 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.

  • 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. 

I’d love to hear from you.

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