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233 East 84th Drive, Suite 205 Merrillville, IN 46410 Mobile (574) 229-2029 Tel (574) 378-7068 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Jonathan McKinnies
- SVP of Mortgage Lending
- Merrillville, IN Mortgage Loan Officer
- NMLS #226786
I’ll be with you every step of the way
Hello! My name is Jonathan McKinnies. Since 2006, I’ve helped families navigate the mortgage process with clarity, confidence and care. Backed by experience and a deep commitment to client success, The McKinnies Team is a trusted name in home financing across the Michiana community.
Each year, we proudly serve over 200 families. For us, a loan isn’t just a transaction — it’s a chance to build relationships and help families achieve homeownership.
Our three core commitments:
Timely, Efficient Process – We work hard to keep your loan moving and on track.
Transparent, Honest Pricing – We offer upfront estimates and clear cost breakdowns.
Clear, Ongoing Communication – You’ll hear from us regularly, from start to finish.
We issue strong, respected pre-approvals that give buyers an edge and peace of mind. Rooted in Michiana, we believe in more than mortgages — we believe in people, service and doing the right thing.
Pre-approvals you can trust. Communication you can count on.
Jonathan’s testimonials
Guides and resources
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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.