The Rate Team
Your Future Our Focus
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- Purchase
- Refinance
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
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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.
Inspiration for your home loan journey
Testimonials
Meet our team
Chuck Dindia
- Director of Corporate Sales
- NMLS #43931
- 2160 Superior Avenue
- Cleveland, OH 44114
Joe Thomas
- Inside Loan Originator
- NMLS #1536989
- 2160 Superior Avenue
- Cleveland, OH 44114
Anthony Soss
- Sr. Loan Officer
- NMLS #130763
- 2160 Superior Avenue
- Cleveland, OH 44114
David Bletsh
- Originating Branch Manager
- NMLS #382600
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-465-9425
- tel 440-262-3564
- fax 866-237-2207
Steven Candow
- Loan Originator
- NMLS #218530
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 216-374-9781
- tel 440-262-3474
- fax 866-237-2207
Joseph Costanzo
- Senior Loan Officer
- NMLS #1408507
- 2160 Superior Avenue
- Cleveland, OH 44114
Carlos Lugo
- VP Of Mortgage Banking
- NMLS #1529434
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-334-4007
- tel 440-262-3299
- fax 440-671-7194
Richard Miller
- Senior Loan Officer
- NMLS #1400130
- 2160 Superior Avenue
- Cleveland, OH 44114
Glenn Nimmo
- VP Of Mortgage Banking
- NMLS #112201
- 2160 Superior Avenue
- Cleveland, OH 44114
David Pickering
- Sales Manager
- NMLS #12134
- 2160 Superior Avenue
- Cleveland, OH 44114
Patrick Pisano
- Loan Originator
- NMLS #1509308
- 2160 Superior Avenue
- Cleveland, OH 44114
Michael Poldruhi
- VP of Mortgage Lending
- NMLS #920155
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 216-906-3833
Michael Richmond
- Sales Manager
- NMLS #1608235
- 2160 Superior Avenue
- Cleveland, OH 44114
Michael Romes
- Originating Branch Manager
- NMLS #436494
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
- [email protected]
- mobile 859-512-8433
- tel 440-262-3845
Chad Smith
- Sales Manager
- NMLS #1366875
- 2160 Superior Avenue
- Cleveland, OH 44114
James Thamann
- Senior Loan Officer
- NMLS #114716
- 2160 Superior Avenue
- Cleveland, OH 44114
Sharon Treska
- VP of Mortgage Lending
- NMLS #363112
- 2160 Superior Avenue
- Cleveland, OH 44114
Branden Walsh
- Sales Manager
- NMLS #1713482
- 2160 Superior Avenue
- Cleveland, OH 44114
Andre Yarina
- Sales Manager
- NMLS #1408534
- 2160 Superior Avenue
- Cleveland, OH 44114
Mike Zahorchak
- VP of Portfolio Management
- NMLS #47492
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-785-2807
- tel 440-262-3535
Justin Hazen
- Loan Officer
- NMLS #1117345
- 2160 Superior Avenue
- Cleveland, OH 44114
Brian Bowling
- Originating Branch Manager
- NMLS #55422
- 2160 Superior Avenue
- Cleveland, OH 44114
Chandler Warren
- Loan Officer
- NMLS #1772023
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-584-0990
- tel 440-584-0990
Jordan Romes
- Loan Officer
- NMLS #1772021
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
- [email protected]
- mobile 513-823-2305
- tel 513-823-2305
Chase Rankine
- Inside Loan Originator
- NMLS #1797771
- 2160 Superior Avenue
- Cleveland, OH 44114
Dante Iannetta
- Loan Officer
- NMLS #1963212
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 216-296-1023
- tel 440-671-2010
Chad Yarina
- Inside Loan Originator
- NMLS #1897619
- 2160 Superior Avenue
- Cleveland, OH 44114
Amari Ngunjiri
- Sr. Loan Officer
- NMLS #1963214
- 2160 Superior Avenue
- Cleveland, OH 44114
Anthony Crawford
- VP Of Mortgage Banking
- NMLS #2023057
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-654-9388
- tel 440-654-9388
- fax 216-714-7789
Devin Brewer
- VP Of Mortgage Banking
- NMLS #1963200
- 2160 Superior Avenue
- Cleveland, OH 44114
Joseph Ratcliff
- Inside Loan Originator
- NMLS #204411
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-655-9153
- tel 440-809-8838
- fax 440-839-4466
Eric Preston
- Sr. Loan Officer
- NMLS #206484
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
- [email protected]
- mobile 520-979-5133
- tel 520-221-4135
- fax 623-401-1120
Milan Brkovic
- VP Of Mortgage Banking
- NMLS #2223920
- 2160 Superior Avenue
- Cleveland, OH 44114
Jack Hignite
- Sr. Loan Officer
- NMLS #2383369
- 2160 Superior Avenue
- Cleveland, OH 44114
Nathan Wolff
- Sales Manager
- NMLS #2359346
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-534-3443
- tel 440-534-3443
- fax 440-290-1131
Cal LaMarca
- Loan Officer
- NMLS #2348603
- 2160 Superior Avenue
- Cleveland, OH 44114
Jacob Fischer
- Sr. Loan Officer
- NMLS #2275917
- 2160 Superior Avenue
- Cleveland, OH 44114
Andre Lowe
- Sales Manager/Outside Loan Originator
- NMLS #1554679
- 2160 Superior Avenue
- Cleveland, OH 44114
Nicholas Smith
- Loan Officer
- NMLS #2328036
- 2160 Superior Avenue
- Cleveland, OH 44114
Jeffrey Paul
- Senior Loan Officer
- NMLS #1106519
- 2160 Superior Avenue
- Cleveland, OH 44114
Bradley Randolph
- Senior Loan Officer
- NMLS #2328032
- 2160 Superior Avenue
- Cleveland, OH 44114
William Ciraldo
- Inside Loan Originator
- NMLS #2440601
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-292-4217
- tel 440-292-4217
- fax 440-292-4217
Craig McMahon
- Training Team Lead / Sr. Loan Officer
- NMLS #1496769
- 2160 Superior Avenue
- Cleveland, OH 44114
Thomas Killea
- Loan Officer
- NMLS #2069106
- 2160 Superior Avenue
- Cleveland, OH 44114
Ben Huff
- Loan Officer
- NMLS #2069095
- 2160 Superior Avenue
- Cleveland, OH 44114
Evan Liddington
- Senior Loan Officer
- NMLS #2328039
- 2160 Superior Avenue
- Cleveland, OH 44114
Tony Perrine
- Inside Loan Originator
- NMLS #2108577
- 2160 Superior Avenue
- Cleveland, OH 44114
Brayden DiSanza
- Sr. Loan Officer
- NMLS #2407778
- 2160 Superior Avenue
- Cleveland, OH 44114
Frankie Losiewicz
- Sr. Loan Officer
- NMLS #2384520
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-671-3407
- tel 440-671-3407
- fax 440-671-3407
Matthew Kleiner
- Loan Advisor
- NMLS #1662393
- 2160 Superior Avenue
- Cleveland, OH 44114
Josh Kruszynski
- Loan Officer
- NMLS #2436846
- 2160 Superior Avenue
- Cleveland, OH 44114
Michael Frias
- Loan Officer
- NMLS #2449760
- 2160 Superior Avenue
- Cleveland, OH 44114
Tyler Arnold
- Loan Officer
- NMLS #1718930
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
- [email protected]
- mobile 859-445-4314
- tel 380-444-6324
- fax 380-444-6324
Keon Hite
- Senior Loan Officer
- NMLS #1876643
- 2160 Superior Avenue
- Cleveland, OH 44114
John Bose
- Senior Loan Officer
- NMLS #436456
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
Austin Seifert
- Senior Loan Officer
- NMLS #2511297
- 2160 Superior Avenue
- Cleveland, OH 44114
Jennifer Hall
- Senior Loan Officer
- NMLS #437368
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
Terri Olsson
- Senior Loan Officer
- NMLS #437353
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
- [email protected]
- mobile 513-236-8021
- tel 513-572-5747
- fax 513-572-5747
Genaro Aiken
- Loan Officer
- NMLS #2532281
- 2160 Superior Avenue
- Cleveland, OH 44114
Lee Kotler
- Senior Loan Officer
- NMLS #38679
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
- [email protected]
- mobile 480-635-2362
- tel 480-596-4569
- fax 480-596-4569
Kurt Hrycenko
- Senior Loan Officer
- NMLS #2101341
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
Zachary Kinzel
- Loan Officer
- NMLS #2557601
- 2160 Superior Avenue
- Cleveland, OH 44114
Nael Odetallah
- Senior Loan Officer
- NMLS #2557762
- 2160 Superior Avenue
- Cleveland, OH 44114
Edward Virant
- Loan Officer
- NMLS #2570854
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
Matthew Wetherill
- Loan Officer
- NMLS #2570831
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
- [email protected]
- mobile 260-443-9759
- tel 513-991-2268
- fax 513-991-2268
Emmanuel Jamison
- Senior Loan Officer
- NMLS #2249824
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
Zach VanRooy
- Inside Loan Originator
- NMLS #1877683
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-656-8565
- tel 216-329-0742
- fax 216-329-0742
Jarret Johnson
- Loan Officer
- NMLS #2611813
- 2 Miranova Place
- Suite 280
- Columbus, OH 43215
Sam Al-Rousan
- Loan Officer
- NMLS #2181848
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 216-350-8840
- tel 216-350-8840
- fax 216-350-8840
Leslie Chappel
- Senior Loan Officer
- NMLS #439603
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45242
- [email protected]
- mobile 502-338-9950
- tel 513-694-0048
Jay Tucker
- Senior Loan Officer
- NMLS #1889647
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
- [email protected]
- mobile 480-613-7613
- tel 480-613-7613
- fax 480-613-7613
Our support staff
Paul Couture
Senior Loan Processor
Missy Halutick
Senior Loan Processor
Emily Kittelberger
Loan Opener
Kaylee Halutick-Smith
Senior Loan Processor
Tammy Thayer
Senior Loan Processor
Austin Richardson
Pre-Approval Specialist
CrossCountry Mortgage, LLC
#1 Retail Mortgage Lender in the Nation
Samantha Perera
Pre-Approval SpecialistMy social posts
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.