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Select a loan officer to follow up with your application.

Once complete, your dedicated mortgage professional will be in touch to provide guidance, answer questions and help you through each step in the home financing process.

Matt Wise Headshot.

Matt Wise

Originating Branch Manager

Charlotte, NC

Melanie Klimas Headshot.

Melanie Klimas

Loan Consultant/Advisor

Charlotte, NC

Juan Paez Headshot.

Juan Paez

Loan Originator

Charlotte, NC

The TruTeam

Your Future Our Focus

    • Purchase
    • Refinance

We’ll be with you every step of the way

As part of America’s #1 Retail Mortgage Lender, The TruTeam of CrossCountry Mortgage is known for providing the lending experience you’ll love. 

We combine smart solutions with heartfelt service — earning reviews that highlight our clear communication, fast closings and genuine care. 

Whether you’re buying your first home, moving up to your dream home or refinancing your current loan, we’re here to guide you with expert advice and personalized support every step of the way. We believe trust is earned, not assumed, and we show up every day with the heart, hustle and integrity it takes to deliver results. At the TruTeam, we don’t just close loans — we open doors to brighter futures, one home at a time.

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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.

Meet our team

Daniel Jacobs Photo
Non-Originating Branch Manager

Daniel Jacobs

  • Divisional Vice-President
  • 5950 Fairview Road
  • Suite 712
  • Charlotte, NC 28210
Team Leader

Melanie Klimas

  • Loan Consultant/Advisor
  • NMLS #2065411
  • 1230 W. Morehead St. Unit 108
  • Charlotte, NC 28208

Matt Wise

  • Originating Branch Manager
  • NMLS #68684
  • 5950 Fairview Road
  • Suite 712
  • Charlotte, NC 28210

Juan Paez

  • Loan Originator
  • NMLS #2398872
  • 5950 Fairview Road
  • Suite 712
  • Charlotte, NC 28210

Our support staff

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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.

  • 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.

  • 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.

  • 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. 

  • 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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