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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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- Purchase
- Refinance
Jeff Curtis
- SVP of Mortgage Lending
- Monticello, MN Mortgage Loan Officer
- NMLS #1264650
I’ll be with you every step of the way
Hi, I’m Jeff. In 2021, a close friend who was a 20-year veteran police officer was involved in a high-profile incident that led to her resigning from her job. I saw the dedication and commitment the MPPOA has to its members and their families, and it truly stuck with me. I’ve since partnered with the MPPOA to help provide savings when buying, selling or refinancing your home.
At CCM, America’s #1 Retail Mortgage Lender, we offer more mortgage options to help you achieve your homeownership dreams. These include conventional, VA, FHA, USDA and a selection of in-house programs – including the Line of Duty Death Benefit.
My team and I have years of experience helping our clients close their loans with confidence. I’ll answer all your questions and guide you through each step of home financing.
Ready to start the process or have questions? Please reach out to me. I look forward to hearing from you!
Jeff’s testimonials
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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.