-
8740 E Market Street, Unit 5 Warren, OH 44484 Mobile (330) 418-4509 Tel (440) 550-4618 [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
Michael Hamilton
I’ll be with you every step of the way
Hi, I’m Michael. For over 20 years, I devoted myself to helping others through multiple public safety disciplines. Now, I enjoy home financing because it has allowed me to make a difference in a completely different way. I joined the industry after being encouraged by my sisters – the oldest is a real estate agent, and the youngest is a loan officer and processor. Whether you’re buying your first home or ninth, I’m excited to show you what the family business is all about!
As part of our Warren, OH branch at America’s #1 Retail Mortgage Lender, since joining the industry, I’ve been named the top producer of my previous branch and had the pleasure of building relationships with many partners and clients. I enjoy working a variety of hours, giving you the benefit of being available whenever you have a question or concern. From application to closing and beyond, I look forward to making your mortgage feel like a win.
Michael’s testimonials
Guides and resources
My social posts
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
-
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.