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116 East Main Street St. Charles, IL 60174 Mobile (630) 546-6150 Tel (630) 884-0030 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- FHA Loan
- First-Time Homebuyers
- Purchase
- Refinance
- VA Loan
Chris Hoss
- Originating Branch Manager
- St. Charles, IL Mortgage Loan Officer
- NMLS #933997
I’ll be with you every step of the way
Hi, I’m Chris, and for the better part of 15 years, I’ve dedicated myself to improving the lives of my clients. Whether I’m counseling first-time homebuyers or coaching existing clients on how to improve their financial situation, I take pride in giving personalized attention to each and every client. Most importantly, I truly listen to my clients, offering them respect and understanding, which is essential for building lasting relationships.
My commitment to clear communication throughout the loan process helps put my clients at ease, ensuring a seamless, transparent experience. I also believe in making the mortgage journey an educational opportunity for their future. I’m excited to help you achieve your homeownership goals and provide you with a smooth and supportive experience.
With the backing of America’s #1 Retail Mortgage Lender, I’m proud to serve clients in St. Charles, IL and offer a wide range of mortgage options. Let’s work together to turn your homeownership dreams into reality!
Chris’s testimonials
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Should I buy a house or keep renting?
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.