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- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Gerald Chamblin
I’ll be with you every step of the way
Hi, I’m Gerald Chamblin. Hailing from Birmingham, AL, I ventured to Atlanta in 1986 to pursue my education at the Georgia Institute of Technology, where I earned a full football scholarship. Following my college years, I joined the Fulton County Police Department, serving as a Special Operations Detective for nine years. Transitioning into the mortgage industry, I spent a decade as an investment advisor representative, acquiring invaluable financial expertise.
Currently, I’m proud to be a senior loan officer at the Bethlehem, GA branch of America’s #1 Retail Mortgage Lender. Leveraging over 20 years of financial services expertise, I’m renowned for my exceptional customer service, extensive product knowledge, and comprehensive understanding of the mortgage landscape. I’m dedicated to tailoring loan scenarios that perfectly suit each client’s goals. Through financial seminars, workshops, and one-on-one consultations, I’ve empowered numerous people to achieve their financial milestones – and I can’t wait to do the same for you.
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How much will my mortgage payment be?
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.