How much does it cost to refinance?

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

How much house can I afford?

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

What is a good credit score?

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

How do I calculate mortgage payments?

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

14555 N Scottsdale Road, Suite 350
Scottsdale, AZ 85254 Tel 480.849.4509 [email protected]

Schedule a call
- monday: 5:30AM – 1:30PM
- tuesday: 5:30AM – 1:30PM
- wednesday: 5:30AM – 1:30PM
- thursday: 5:30AM – 1:30PM
- friday: 5:30AM – 1:30PM
- Purchase
- Reverse Mortgage
- Scottsdale Hopi, AZ
- Linda Vista, CA

Your Local CrossCountry Mortgage Reverse Loan Officer

Gregg Scharin

Senior Reverse Specialist
Scottsdale, AZ Mortgage Loan Officer
NMLS #120297

I’ll be with you every step of the way

Hi, I’m Gregg, and my passion is helping people enjoy a fantastic retirement. With over 20 years of experience as a top-producing mortgage professional, I’ve dedicated the last 10 years to mastering reverse mortgages and HECM programs.

As part of our Scottsdale, AZ team at America’s #1 Retail Mortgage Lender, I’ve had the pleasure of helping hundreds of seniors and retirees across the country improve their retirement planning by implementing the power of a reverse mortgage. It’s all about giving you the financial freedom to do the things you love without worries.

Retirement planning can be a maze, but I’ll be your guide. Whether you want to boost your income, tackle debts, make a move, or live life to the fullest, I’m here for you. Let’s chat about your dreams – I can’t wait to show you how your home can help make them a reality!

Mortgage Executive Top 50 Mortgage Companies In America 2023 Award

2025 Scotsman Guide Top Mortgage Lenders Award

2025 The Plain Dealer Top Workplaces Award

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Retired woman enjoys a bike ride and her peace of mind after starting her reverse mortgage.

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?

You’ve worked hard for your home. Now it’s time to put your home equity to work for you.

A reverse mortgage allows homeowners aged 55 or older to borrow against their housing wealth while maintaining ownership, title, and control of their home.

But unlike traditional financing solutions, there is no monthly payment required on the loan — taxes, insurance, and maintenance only.

What will you do with tax-free cash from your home equity?

Improve cash flow and increase savings
Refinance or eliminate existing mortgage and consumer debt
Pay for healthcare expenses and long-term care
Finance home renovations to age safely in place
Buy a new home that better suits your needs
Create a financial safety net with a growing line of credit

Get started

*Review the Reverse mortgage requirements found on the product page for additional details.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come.

Gregg’s testimonials

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