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- monday: 9:00AM – 5:30PM
- tuesday: 9:00AM – 5:30PM
- wednesday: 9:00AM – 7:30PM
- thursday: 9:00AM – 5:30PM
- friday: 9:00AM – 5:30PM
Your Local CrossCountry Mortgage Loan Officer
Ryan Oestreich
- Loan Officer
- Plymouth Meeting, PA Mortgage Loan Officer
- NMLS # 2159846
I’ll be with you every step of the way
Hi, I’m Ryan, a loan officer at our Plymouth Meeting, PA branch with America’s #1 Retail Mortgage Lender. I’ve been a Pennsylvania native my entire life, earning my bachelor’s degree in finance from Albright College and my master’s degree in financial services from The American College. My wife and I have made Eastern Pennsylvania our home with our two kids, and as real estate investors, we know the market and community personally. Whether you’re buying your first home, your next home, or refinancing, I’d love to support you on your homeownership journey.
As your loan officer, I’ll walk you through each step of the mortgage process, answer your questions, and keep you updated on your loan’s progress. My goal is to ensure your mortgage moves smoothly to closing, leaving you confident every step of the way. I offer a wide range of loan products, including conventional, jumbo, FHA, and VA, and together, we’ll develop a mortgage plan tailored to your homeownership dreams.
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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.