Your Bryan, Ohio mortgage experts
Your Future Our Focus
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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
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we are dedicated to helping 25 families each month with their mortgage planning needs, ensuring that every family receives the personalized attention and guidance they deserve throughout the process. We take pride in fostering strong relationships with our referral partners, actively collaborating to help them grow their businesses and achieve their objectives through mutual support and shared success. Our commitment to creating a WOW customer service experience sets us apart; we focus on proactive communication and transparency, ensuring that our clients are informed and comfortable every step of the way. Our goal is to deliver on-time closings that not only meet but exceed our clients’ expectations, making the mortgage process as smooth and enjoyable as possible.
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
Meet our team
Coley Rau
- Senior Vice President
- NMLS #256481
- 1607 W. High Street
- Bryan, OH 43506
- [email protected]
- mobile 419-551-2090
- tel 419-636-7273
Our support staff
Burton Blalock
Branch Business Development Manager/Division Support Manager
Kelli Lee
Sales Manager
Ada Slane
Loan Processor Manager
Daja Stocklin
Branch Marketing Director
Bernadette Cagle
Loan Processor Manager
Brooke Miller
Sales AssistantJaime Rau
Non Originating Branch Manager
Ryan McDaniel
Business Development Manager
Chad Norris
Sales Manager
Devin Cain
Sales ManagerRichard Fullo
Loan Setup 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.