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909 Davis Street, Suite 500 Office 110 Evanston, IL 60201 Mobile (773) 213-1339 Tel (872) 250-3623 [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
John Noyes
I’ll be with you every step of the way
Hi, my name is John, and I’m here to help you unlock the doors to your dream home! As a member of our Evanston, Illinois team, I’m proud to offer the expertise and resources of America’s #1 Retail Mortgage Lender to make that happen.
If you’ve ever seen a live band, you know that the drummer keeps the band together and on time. I’ve been playing drums way longer than I’ve been securing great mortgages for my clients, but the two are more similar than you might think. Communication with everyone involved in a real estate transaction is like feeding off the other members of the band. I’m responsible for keeping things together and delivering exceptional service from application to closing and beyond.
I’ve been working in the Chicago area for the last 21 years, and I strive to make the process as painless and transparent as possible. It’s one of the reasons I’ve been chosen as one of Chicago Magazine’s 5-Star Mortgage Professionals for the last 10 years in a row.
John’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
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.