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570 Lake Cook Road, Suite 300 Office 3035 Deerfield, IL 60015 Mobile (847) 254-2227 Tel (847) 892-4667 [email protected]
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- 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
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- Purchase
- Refinance
Joanne Rogers
- SVP of Mortgage Lending
- Deerfield, IL Mortgage Loan Officer
- NMLS #223618
I’ll be with you every step of the way
Hi, I’m Joanne, SVP of Mortgage Lending at CrossCountry Mortgage, based in our Deerfield, IL branch. With 20 years of experience, I understand the significance of buying a home and have developed strategies to help people achieve their homeownership goals. I firmly believe each client deserves a mortgage plan tailored to their specific financial goals, which is why I love sharing my knowledge to empower customers to make sound choices confidently.
As part of America’s #1 Retail Mortgage Lender, when you come to me to finance your future, you can trust I’ll take the time to understand your unique goals and circumstances. Whether you’re a first-time homebuyer, move-up buyer, refinancer, or investor, I have financing options to get the job done. I’ll guide you through each step in the mortgage process, making myself available to listen and answer your questions. I’m dedicated to building a long-term, trusting relationship with you that lasts beyond the closing table.
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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
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.