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2025 East Beltline Ave SE, Suite 308 Grand Rapids, MI 49546 Mobile (616) 293-2500 Tel (616) 326-2255 [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
Aaron Schoonover
I’ll be with you every step of the way
Hi, I’m Aaron! My goal is simple: help you accomplish yours! As a Certified Mortgage Advisor, I take an overall financial approach to accomplish your home financing needs. This is the biggest investment many will make in their lifetime. Your home is part of your family’s financial plan, and together, we’ll look at loan products that help you accomplish your plan, not just focus on the lowest rate or payment.
Additionally, if you’re a Mortgage Professional looking for a place to call home, I’m here to help. With over 20 years of experience in Ownership, VP, and Executive-level Business Development, I can provide you with the leadership to grow your business.
My specialties include: an executive-level background in financial products, entrepreneurship, business building, management, recruiting, compensation, contract management, sales coaching and training, business development, and sales management.
I look forward to helping you achieve your goals in Grand Rapids, MI with America’s #1 Retail Mortgage Lender.
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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.