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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Amy Meyerott
- Loan Officer
- St. Louis, MO Mortgage Loan Officer
- NMLS #2632123
I’ll be with you every step of the way
Hi, I’m Amy. I started my career as a real estate agent. After five years in the industry, I decided to learn about the mortgage side of the business so I could be more involved in the process for my clients. I became dual licensed and chose America’s #1 Retail Mortgage Lender for our efficiency, professionalism and products available for my clients.
Buying a home can be a stressful event. But with the right people and company, the experience can be a tool to better plan for the future. With a master’s degree in counseling, I know how to pave the way to a stress-free transaction that leaves clients feeling confident in their choices and ready for the adventure that lies ahead.
Being the parent of two young girls, I know all too well that the financial choices made today can have a long-lasting effect on their future. Whether you are a homebuyer, investor or builder, I’m here to present the solutions that give you the most freedom to pursue your goals.
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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.