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Your Local CrossCountry Mortgage Loan Officer

Demetrius Stinson

  • Loan Officer
  • St. Robert, MO Mortgage Loan Officer
  • NMLS #2109024

I’ll be with you every step of the way

Hi, my name is Demetrius Stinson, and I’m here to help you achieve your homeownership and investment goals. As a trusted loan officer in Michigan, I help people across the state with knowledge of the local market while offering the full range of mortgage solutions backed by the strength of America’s #1 Retail Mortgage Lender.

Whether you’re a first-home homebuyer, a family looking to upgrade or an investor building your portfolio, I’m here to simplify home financing for you, making your mortgage process clear and stress-free. I offer a wide range of loans, from conventional to FHA and VA, and down payment assistance programs.

My goal is to personalize the mortgage experience to fit your plans to build stability, create long-term value and give you confidence in your home financing decisions. Whether you’re purchasing, refinancing or investing, I’ll provide expert guidance and clear communication every step of the way.

I look forward to starting your home financing journey.

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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. 

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.

Neutral living room with fireplace.

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?

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

For full terms and conditions, visit ccm.com/buynowrefilater

Inspiration for your home loan journey

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When Will Mortgage Rates Go Down?

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Types of Homes: Find Your Home Style

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HELOC vs. Home Equity Loan

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Frequently asked questions

  • 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.

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