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- Condo Mortgage
- First-Time Homebuyers
- Jumbo Loan
- Purchase
- Refinance
Kevin Johnson
America’s #1 Retail Mortgage Lender
Hello! My name is Kevin. I’m a seasoned finance professional with over three decades of diverse experience in the investment sector, corporate world and retail lending. I dedicated the first decade of my career to trading in a variety of investment vehicles, with a particular focus on mortgage-backed securities for individuals and institutional clients. My expertise in this specialized area has contributed to my reputation as a knowledgeable and trusted advisor in the financial community.
After investment trading, I spent two decades immersed in the corporate landscape, working in prominent roles within the pharmaceutical and technology sectors. My ability to navigate complex business environments and drive strategic initiatives has allowed me to make significant contributions everywhere I call home.
Whether you’re a first-time homebuyer, long-time homeowner or real estate investor. My commitment to customer service and understanding of the mortgage landscape make me a valuable asset.
Guides and resources
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.
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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.