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Your Local CrossCountry Mortgage Loan Officer

Michael Miller

  • Senior Loan Officer
  • Niles, OH Mortgage Loan Officer
  • NMLS # 1730402
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America’s #1 Retail Mortgage Lender

Your homeownership journey starts here.

Hello! I’m Michael, a top-producing loan officer serving eight states. A proud U.S. Navy Veteran (USS John F. Kennedy) with Pennsylvania and Ohio roots, I now enjoy soaking up the sun in Summerfield, FL.

I’m the loan officer agents send their impossible deals to because I turn “no” into “welcome home.” Since 2017, I’ve specialized in the following:

  • VA loans
  • FHA loans
  • Conventional loans
  • Jumbo loans
  • First-time homebuyer programs
  • Self-employed products

Dedicated to our hometown heroes, I’m proud to provide Military, firefighters, law enforcement and healthcare workers service that is second to none. Plus, I’m able to provide CCM’s Line of Duty Death Benefit at no cost to give families peace of mind.

With America’s #1 Retail Mortgage Lender, you get a transparent, stress-free and smooth experience. Lighting-fast pre-approvals and competitive rates mean you pick the home and count on me for the loan. Ready? DM or call now — get the keys!

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Better Business Bureau Award Scotsman Guide Top Workplaces 2026 2025 Scotsman Guide Top Mortgage Lenders Award 2025 The Plain Dealer Top Workplaces Award United States Military Veteran Award

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It’s your time to buy.

Homebuying is always in season. You may be thinking of a first home. Or it could be time for a vacation home or investment property. Start now with a pre-approval and you’ll be ready to buy when you see what you want. No matter the home, we’ve got the loan.

Should you buy a house or keep renting?

Enter the basic terms for a purchase loan and your current rent payment/expenses to calculate total cost comparisons and see projected 30-year savings for a purchase.

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.

A daughter hugging her mother while she is researching mortgage opportunities in their home.
Neutral living room with fireplace.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Get Pre-approved

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Inspiration for your home loan journey

View All
First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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Young couple holding hands while walking in front of a home, representing today's first-time homebuyers.

First-Time Homebuyer Statistics: Why the Average Buyer Is 40

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Couple sits down with mortgage loan officer to calculate how much it would cost for them to refinance.

How Much Does It Cost to Refinance a Mortgage?

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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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

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