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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
Your Local CrossCountry Mortgage Loan Officer
Paul Muro
- Originating Branch Manager
- Mentor, OH Mortgage Loan Officer
- NMLS # 1099369
I’ll be with you every step of the way
Hi, I’m Paul, and I began my career in real estate in 2006 as a real estate agent, quickly becoming a top agent in both sales and listings. After transitioning to become a Loan Officer, I found that my experience as a Realtor helped me build a reputation for providing superior client care and guidance. My goal is simple: guide clients through the entire loan process, keeping them updated on their progress and options every step of the way.
At the Mentor, OH branch of America’s #1 Retail Mortgage Lender, I pride myself on being available seven days a week to discuss loan applications in detail, often face-to-face. My commitment is to ensure clients fully understand every aspect of the loan process and leave with a sense of security and satisfaction. Thanks to my experience on both sides of the transaction, I’m known for facilitating smooth, timely closings. Client success is my number one priority, and I’m ready to put in the work for you.
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.