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- monday: 9:00AM – 5:00PM
- tuesday: 9:00AM – 5:00PM
- wednesday: 9:00AM – 5:00PM
- thursday: 9:00AM – 5:00PM
- friday: 9:00AM – 5:00PM
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- FHA Loan
- Purchase
- Refinance
- USDA Loans
- VA Loan
Adam Slack
America’s #1 Retail Mortgage Lender
Hello! I’m Adam, Senior Vice President of Mortgage Lending at CrossCountry Mortgage, America’s #1 Retail Mortgage Lender. In 2016, I was honored to be recognized as the top loan officer in the Wilmington, Jacksonville, Hampstead, and Greater Wilmington markets at my previous company. My dedicated team and I prioritize continuous growth, regularly attending seminars and training sessions to stay informed of the latest underwriting guidelines to deliver our clients expert service and the most current information.
I have built my business on the fundamental belief in treating clients the way I would wish to be treated. This philosophy drives my team to offer a wide range of loan programs and competitive rates. We invest time upfront to ensure you fully understand the options tailored to your unique situation, making the mortgage process smooth and comfortable. I genuinely enjoy the home financing business, and I take great pride in representing CCM. I look forward to providing you with an exceptional experience!
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
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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.