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43252 Woodward Avenue, Suite 202 Bloomfield Hills, MI 48302 Mobile (248) 802-2063 Tel (248) 409-0497 [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
Shil Van Hecker
- Sr. Mortgage Consultant
- Bloomfield Hills, MI Mortgage Loan Officer
- NMLS #1471065
I’ll be with you every step of the way
Hi, I’m Shil, a trusted mortgage consultant at the Bloomfield Hills, MI branch of Ameirca’s #1 Retail Mortgage Lender. Home financing is about helping clients achieve their home goals and building relationships, not transactional. Whether you are a first-time homebuyer or a long-time homeowner, financing a home will always be one of the biggest financial decisions you will make. Creating a fantastic experience throughout the journey is truly my passion.
Before diving into mortgage lending, I bartended for over 10 years, building a solid foundation of maintaining excellent communication, thinking quick on my feet, and problem solving. In 2013, I scratched my “mortgage itch” by joining my amazing team, The Stork Group. We strive to provide outstanding service with professionalism and integrity.
Every homebuyer’s situation is unique. It’s not a one size fits all process. Being engaged and committed to your goals for homeownership is my due diligent process on creating the perfect mortgage SHILution.
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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.