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- monday: 8:00AM – 11:00AM
- tuesday: 8:00AM – 11:00PM
- wednesday: 8:00AM – 11:00PM
- thursday: 8:00AM – 11:00PM
- friday: 8:00AM – 11:00PM
- saturday: 8:00AM – 11:00PM
- sunday: 8:00AM – 11:00PM
Your Local CrossCountry Mortgage Loan Officer
Cristhian Wigand
- Senior Loan Officer
- North Bethesda, MD Mortgage Loan Officer
- NMLS # 473969
I’ll be with you every step of the way
Hello! My name is Cristhian Wigand, and I’m a bilingual loan officer with nearly two decades of experience in the mortgage industry. I proudly serve clients throughout the DMV area and in multiple states across the country, providing personalized guidance wherever they call home with the support of America’s #1 Retail Mortgage Lender.
I’m passionate about helping clients make informed financial decisions and tailoring every mortgage to their long-term goals. I focus on creative solutions, precision and delivering a seamless lending experience from application to closing.
My business is built on trust, transparency and lasting relationships. The greatest compliment I receive is the continued confidence of my clients and referral partners. My commitment is simple: provide expert guidance, personalized service and a level of professionalism clients can rely on long after closing.
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.