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920 South Street, Unit 1 Nashville, TN 37203 Mobile (615) 439-0885 Tel (615) 733-4755 [email protected]
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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
Marshall Sparkman
America’s #1 Retail Mortgage Lender
Hello! My name is Marshall. I joined the mortgage business in 2008 after I got out of Active Duty. I was a Captain in the Air Force, serving as an Aircraft Maintenance Officer on the U-2 program. I’ve had multiple combat deployments, leading 423 soldiers in seven organizations supporting OPEF, OIF, Korea, HOA, GWOT and more.
Once I got my start in home financing, people started referring Veterans to me, telling them, “This guy speaks your lingo. Call him.” I became a student of the VA loans and Veterans benefits. Now, I’m proud to combine my expertise with the resources of America’s #1 Retail Mortgage Lender.
Many loan officers and real estate agents don’t understand VA loans. 76% of Veterans did not use the VA loan to buy their home and the #1 reason is they were discouraged by their agent or lender. As a Certified Mortgage Advisor, Certified Veterans Lending Specialist and Military Relocation Specialist with investment and construction expertise, I’m passionate about fixing that!
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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.