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

14455 N Hayden Rd Suite 103
Scottsdale, AZ 85260 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

Apply Now

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!

2025 Scotsman Guide Top Mortgage Lenders Award

2025 The Plain Dealer Top Workplaces Award

My social posts

A daughter hugging her mother while she is researching mortgage opportunities in their home.

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?

Get Pre-approved

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.

Inspiration for your home loan journey

View All

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

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.

Gregg’s Reviews

Leave a Review See more reviews

I’d love to hear from you.

First name^*

Last name^*

Email address^*

Phone Number^*

Message

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

By proceeding, I consent by electronic signature to receive calls and SMS text messages from CrossCountry Mortgage, LLC at the phone number I have provided, for any purpose, including loan inquiries, marketing, sales, and informational communications. I understand and agree that these calls and text messages may be made by any means or technology, including an automatic telephone dialing system or other automated system for the selection and dialing of telephone numbers, a prerecorded or artificial voice, or an AI-generated voice. I also understand and agree that my consent to calls and texts from CrossCountry Mortgage, LLC is not required to purchase products from or use the services of CrossCountry Mortgage, LLC, and that I may contact CrossCountry Mortgage, LLC at (877) 351-3400 about its products and services at any time. I understand that I may cancel this consent at any time. Reply STOP to discontinue SMS text messages. For help, reply HELP, call us at 844-940-2272 or email [email protected]. Message and data rates may apply. Message frequency varies. Terms and Conditions and Privacy Policy apply.