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5251 West 116th Place, Suite 200 Offices 251 & 256 Leawood, KS 66211 Mobile (515) 745-2161 [email protected]
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Amber Thach
Your biggest decision is my biggest passion
Hi, I’m Amber, and I offer an impressive 18-year tenure in the finance industry, making me a seasoned professional with a deep understanding of the housing market. Through my diverse roles, I’ve gained invaluable experience that enables me to guide clients on their homeownership journey.
With an exceptional work ethic and positive attitude, I’ve built a strong reputation as an expert. Growing up in Iowa, I intimately understand the challenges of the industry and the local housing market. My attention to detail and client connection allows me to prioritize their best interests – ensuring a seamless and enjoyable mortgage process for every valued client.
Once you’ve had the pleasure of closing a loan with me, you’ll discover that I don’t just cultivate business relationships but genuine friendships. My unwavering commitment to my clients extends beyond the transaction, ensuring lasting connections and continued support. Start your journey with me at America’s #1 Retail Mortgage Lender.
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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.