Your Charlotte, North Carolina 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
- saturday:
- sunday:
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- Purchase
- Refinance
We’ll be with you every step of the way
As the Charlotte, NC branch of 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.
When you work with us, you get:
- 18 day closings on average, so buyers can submit aggressive offers to win a contract on the home they love
- Personalized and local customer service
- A variety of products to choose from, including purchase, refinance, cash-out and more
- A quick, secure, and easy application process
- Experienced loan officers who can recommend the best loan type to fit your financial situation
- Consistent communication so you know where your loan stands at all times (7 days per week)
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
Adam’s testimonials
Meet our team
Adam Workman
- Senior Vice President
- NMLS #128183
- 1230 W. Morehead St. Unit 108
- Charlotte, NC 28208
Kenny Coram
- Loan Officer
- NMLS #1243492
- 1230 W. Morehead St. Unit 108
- Charlotte, NC 28208
- [email protected]
- mobile 704-883-2008
- tel 980-443-7921
- fax 980-443-7921
Donald Kessler
- Senior Loan Officer
- NMLS #61475
- 1230 W. Morehead St. Unit 108
- Charlotte, NC 28208
- [email protected]
- mobile 270-250-8495
Charles Coleman
- Senior Loan Officer
- NMLS #2316914
- 1230 W. Morehead St. Unit 108
- Charlotte, NC 28208
- [email protected]
- mobile 336-469-5581
Catt Fleetwood
- Senior Loan Officer
- NMLS #1077641
- 1230 W. Morehead St. Unit 108
- Charlotte, NC 28208
- [email protected]
- mobile 919-622-1212
Peyton Roinnel
- Senior Loan Officer
- NMLS #205975
- 1230 W. Morehead St. Unit 108
- Charlotte, NC 28208
- [email protected]
- mobile 804-564-6999
Our support staff
Donna Shue
Senior Loan Processor
Christina O’Malley
Branch Operations Manager
Austen Ditzhazy
Sales Manager
Margaret Lewis
Processing Team Lead
James Hyatt Jr
Loan Partner
Judy Arce
Sr. Loan Processing Supervisor
Josh Fail
Production Manager
Stephanie Lema
Loan Processor
Johnna Gallego
Loan Setup Specialist
JD Williams
Loan Partner
Chelsie Zuno
Senior Loan Processor
Trey Johnson
Branch Business Development Manager
Mary Coats
Loan ProcessorMy 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.