The Rate Team
Your Future Our Focus
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- Purchase
- Refinance
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
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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
Chuck’s testimonials
Meet our team
Chuck Dindia
- Director of Corporate Sales
- NMLS #43931
- 2160 Superior Avenue
- Cleveland, OH 44114
Justin Hazen
- Loan Officer
- NMLS #1117345
- 2160 Superior Avenue
- Cleveland, OH 44114
Glenn Nimmo
- VP Of Mortgage Banking
- NMLS #112201
- 2160 Superior Avenue
- Cleveland, OH 44114
James Thamann
- Senior Loan Officer
- NMLS #114716
- 2160 Superior Avenue
- Cleveland, OH 44114
David Pickering
- Sales Manager
- NMLS #12134
- 2160 Superior Avenue
- Cleveland, OH 44114
Anthony Soss
- Sr. Loan Officer
- NMLS #130763
- 2160 Superior Avenue
- Cleveland, OH 44114
Chad Smith
- Sales Manager
- NMLS #1366875
- 2160 Superior Avenue
- Cleveland, OH 44114
Richard Miller
- Senior Loan Officer
- NMLS #1400130
- 2160 Superior Avenue
- Cleveland, OH 44114
Andre Yarina
- Sales Manager
- NMLS #1408534
- 2160 Superior Avenue
- Cleveland, OH 44114
Patrick Pisano
- Loan Originator
- NMLS #1509308
- 2160 Superior Avenue
- Cleveland, OH 44114
Carlos Lugo
- VP Of Mortgage Banking
- NMLS #1529434
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-334-4007
- tel 440-262-3299
- fax 440-671-7194
Matthew Kleiner
- Sales Manager
- NMLS #1662393
- 2160 Superior Avenue
- Cleveland, OH 44114
Branden Walsh
- Sales Manager
- NMLS #1713482
- 2160 Superior Avenue
- Cleveland, OH 44114
Chandler Warren
- Loan Officer
- NMLS #1772023
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-584-0990
- tel 440-584-0990
Chad Yarina
- Inside Loan Originator
- NMLS #1897619
- 2160 Superior Avenue
- Cleveland, OH 44114
Dante Iannetta
- Loan Officer
- NMLS #1963212
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 216-296-1023
- tel 440-671-2010
Anthony Crawford
- VP Of Mortgage Banking
- NMLS #2023057
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-654-9388
- tel 440-654-9388
- fax 216-714-7789
Amari Ngunjiri
- Sr. Loan Officer
- NMLS #1963214
- 2160 Superior Avenue
- Cleveland, OH 44114
Joseph Ratcliff
- Inside Loan Originator
- NMLS #204411
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-655-9153
- tel 440-809-8838
- fax 440-839-4466
Ben Huff
- Loan Officer
- NMLS #2069095
- 2160 Superior Avenue
- Cleveland, OH 44114
Tony Perrine
- Inside Loan Originator
- NMLS #2108577
- 2160 Superior Avenue
- Cleveland, OH 44114
Sam Al-Rousan
- Loan Officer
- NMLS #2181848
- 2160 Superior Avenue
- Cleveland, OH 44114
Steven Candow
- Loan Originator
- NMLS #218530
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 216-374-9781
- tel 440-262-3474
- fax 866-237-2207
Milan Brkovic
- VP Of Mortgage Banking
- NMLS #2223920
- 2160 Superior Avenue
- Cleveland, OH 44114
Nicholas Smith
- Loan Officer
- NMLS #2328036
- 2160 Superior Avenue
- Cleveland, OH 44114
Cal LaMarca
- Loan Officer
- NMLS #2348603
- 2160 Superior Avenue
- Cleveland, OH 44114
Michael Frias
- Loan Officer
- NMLS #2449760
- 2160 Superior Avenue
- Cleveland, OH 44114
Skylr Corsaro
- Loan Officer
- NMLS #2549844
- 2160 Superior Avenue
- Cleveland, OH 44114
Zachary Kinzel
- Loan Officer
- NMLS #2557601
- 2160 Superior Avenue
- Cleveland, OH 44114
Sharon Treska
- VP of Mortgage Lending
- NMLS #363112
- 2160 Superior Avenue
- Cleveland, OH 44114
Michael Poldruhi
- VP of Mortgage Lending
- NMLS #920155
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 216-906-3833
- tel 330-409-1490
David Bletsh
- Originating Branch Manager
- NMLS #382600
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-465-9425
- tel 440-262-3564
- fax 866-237-2207
Craig McMahon
- Sr. Loan Officer
- NMLS #1496769
- 2160 Superior Avenue
- Cleveland, OH 44114
Joe Thomas
- Inside Loan Originator
- NMLS #1536989
- 2160 Superior Avenue
- Cleveland, OH 44114
Andre Lowe
- Sales Manager/Outside Loan Originator
- NMLS #1554679
- 2160 Superior Avenue
- Cleveland, OH 44114
Chase Rankine
- Inside Loan Originator
- NMLS #1797771
- 2160 Superior Avenue
- Cleveland, OH 44114
Evan Liddington
- Senior Loan Officer
- NMLS #2328039
- 2160 Superior Avenue
- Cleveland, OH 44114
Austin Seifert
- Senior Loan Officer
- NMLS #2511297
- 2160 Superior Avenue
- Cleveland, OH 44114
Nael Odetallah
- Senior Loan Officer
- NMLS #2557762
- 2160 Superior Avenue
- Cleveland, OH 44114
Brian Bowling
- Originating Branch Manager
- NMLS #55422
- 2160 Superior Avenue
- Cleveland, OH 44114
Tyler Arnold
- Loan Officer
- NMLS #1718930
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
- [email protected]
- mobile 859-445-4314
- tel 380-444-6324
- fax 380-444-6324
Jordan Romes
- Loan Officer
- NMLS #1772021
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
- [email protected]
- mobile 513-823-2305
- tel 513-823-2305
Emmanuel Jamison
- Senior Loan Officer
- NMLS #2249824
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
- [email protected]
- mobile 513-800-9134
- tel 513-694-0376
- fax 513-694-0376
Matthew Wetherill
- Loan Officer
- NMLS #2570831
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
- [email protected]
- mobile 260-443-9759
- tel 513-991-2268
- fax 513-991-2268
Edward Virant
- Loan Officer
- NMLS #2570854
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
John Bose
- Senior Loan Officer
- NMLS #436456
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
Michael Romes
- Originating Branch Manager
- NMLS #436494
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
- [email protected]
- mobile 859-512-8433
- tel 440-262-3845
Terri Olsson
- Senior Loan Officer
- NMLS #437353
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
- [email protected]
- mobile 513-236-8021
- tel 513-572-5747
- fax 513-572-5747
Jennifer Hall
- Senior Loan Officer
- NMLS #437368
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
Leslie Chappel
- Senior Loan Officer
- NMLS #439603
- 4050 Executive Park Drive
- Suite 220
- Cincinnati, OH 45241
- [email protected]
- mobile 502-338-9950
- tel 513-694-0048
Thomas Killea
- Loan Officer
- NMLS #2069106
- 2160 Superior Avenue
- Cleveland, OH 44114
Genaro Aiken
- Loan Officer
- NMLS #2532281
- 2160 Superior Avenue
- Cleveland, OH 44114
Jarret Johnson
- Loan Officer
- NMLS #2611813
- 2 Miranova Place
- Suite 280
- Columbus, OH 43215
Jeffrey Paul
- Senior Loan Officer
- NMLS #1106519
- 2160 Superior Avenue
- Cleveland, OH 44114
Michael Richmond
- Sales Manager
- NMLS #1608235
- 2160 Superior Avenue
- Cleveland, OH 44114
Keon Hite
- Senior Loan Officer
- NMLS #1876643
- 2160 Superior Avenue
- Cleveland, OH 44114
Zach VanRooy
- Inside Loan Originator
- NMLS #1877683
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-656-8565
- tel 216-329-0742
- fax 216-329-0742
Devin Brewer
- VP Of Mortgage Banking
- NMLS #1963200
- 2160 Superior Avenue
- Cleveland, OH 44114
Jacob Fischer
- Sr. Loan Officer
- NMLS #2275917
- 2160 Superior Avenue
- Cleveland, OH 44114
Bradley Randolph
- Senior Loan Officer
- NMLS #2328032
- 2160 Superior Avenue
- Cleveland, OH 44114
Nathan Wolff
- Sales Manager
- NMLS #2359346
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-534-3443
- tel 440-534-3443
- fax 440-290-1131
Jack Hignite
- Sr. Loan Officer
- NMLS #2383369
- 2160 Superior Avenue
- Cleveland, OH 44114
Frankie Losiewicz
- Sr. Loan Officer
- NMLS #2384520
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-671-3407
- tel 440-671-3407
- fax 440-671-3407
Brayden DiSanza
- Sr. Loan Officer
- NMLS #2407778
- 2160 Superior Avenue
- Cleveland, OH 44114
Josh Kruszynski
- Loan Officer
- NMLS #2436846
- 2160 Superior Avenue
- Cleveland, OH 44114
William Ciraldo
- Inside Loan Originator
- NMLS #2440601
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 440-292-4217
- tel 440-292-4217
- fax 440-292-4217
Robert Heinrich
- Senior Loan Officer
- NMLS #2463354
- 2160 Superior Avenue
- Cleveland, OH 44114
Jay Tucker
- Senior Loan Officer
- NMLS #1889647
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
- [email protected]
- mobile 480-613-7613
- tel 480-613-7613
- fax 480-613-7613
Eric Preston
- Sr. Loan Officer
- NMLS #206484
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
- [email protected]
- mobile 520-979-5133
- tel 520-221-4135
- fax 623-401-1120
Kurt Hrycenko
- Senior Loan Officer
- NMLS #2101341
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
Brian Brant
- Senior Loan Officer
- NMLS #276054
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
- [email protected]
- mobile 602-705-5662
- tel 480-716-3168
Lee Kotler
- Senior Loan Officer
- NMLS #38679
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
- [email protected]
- mobile 480-635-2362
- tel 480-596-4569
- fax 480-596-4569
Our support staff
Mike Zahorchak
VP of Portfolio Management
Austin Richardson
Pre-Approval Specialist
Emily Kittelberger
Loan Set Up
Kaylee Halutick-Smith
Loan Processor
Missy Halutick
Senior Loan Processor
Paul Couture
Senior Loan Processor
Tammy Thayer
Loan Processor
CrossCountry Mortgage, LLC
#1 Retail Mortgage Lender in the NationJoseph Costanzo
Senior Loan Officer
Samantha Perera
Pre-Approval SpecialistMy social posts
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.