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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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Your Local CrossCountry Mortgage Loan Officer
Jeb Willis
- SVP of Mortgage Lending
- Monticello, MN Mortgage Loan Officer
- NMLS # 789498
I’ll be with you every step of the way
Hello! My name is Jeb Willis, and I’m the Senior Vice President of Mortgage Lending at our Monticello, MN branch. I’m here to help you buy a home or refinance with support from America’s #1 Retail Mortgage Lender.
I began my career in banking in 2007 and moved into mortgage lending in 2011, when I was given the opportunity to help clients achieve their homeownership goals. Whether it’s a first home or a forever home, I’ve always enjoyed helping people get into the home they want and lowering their payments through refinancing later if the math makes sense. As a trusted partner, I want what’s best for my clients.
I offer a wide range of mortgage solutions, including conventional, USDA, FHA, VA, HELOC, construction, land, bridge and first-time homebuyer loan programs. I take a “what would I do if it were me” approach to home financing, helping you weigh both short- and long-term decisions with confidence.
Outside of work, my wife and I were born and raised in Central MN. We enjoy raising our three active kids, spending time outdoors and enjoying sporting activities whenever we can.
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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.