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  • 545 North Market St. Wooster, OH 44691 Mobile (614) 619-8285 Tel (614) 505-5308 [email protected]
    • monday: 8:00AM – 5:00PM
    • tuesday: 8:00AM – 5:00PM
    • wednesday: 8:00AM – 5:00PM
    • thursday: 8:00AM – 5:00PM
    • friday: 8:00AM – 5:00PM
    • Purchase
    • Refinance
Your Local CrossCountry Mortgage Loan Officer

Coven Molinar

  • Loan Officer
  • Wooster, OH Mortgage Loan Officer
  • NMLS #1067304

I’ll be with you every step of the way

Hi, I’m Coven. You can tell a lot about a person from their home. In my case, I’ve been married to an amazing woman—Allison—for five years and am the father of two incredible children, Coven and Perry. My family lives in small-town southern Columbus, where I love to golf and spend most weekends poolside with them. I’m proud to help people like you achieve the American dream!

When you work with my team and me, we’ll guide you through your home loan journey. We’ll start by discussing your specific circumstances to offer the mortgage option best suited for you. I’ll provide information on every aspect of the home financing process and each home loan program available, whether it’s conventional, jumbo, FHA, or VA. From our first conversation to closing and beyond, I’ll be your partner in home financing, making sure you know what’s happening with your mortgage and always being available to answer your questions.

As part of America’s #1 Retail Mortgage Lender in Wooster, OH, I look forward to guiding you every step of the way.

Coven’s testimonials

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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.

Inspiration for your home loan journey

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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. 

I’d love to hear from you.

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