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445 N Battlefield Blvd., Unit G Chesapeake, VA 23320 Mobile (757) 560-6012 Tel (681) 661-4119 [email protected]
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- monday: 8:00PM – 5:30PM
- tuesday: 8:00AM – 5:30PM
- wednesday: 8:00AM – 5:30PM
- thursday: 8:00AM – 5:30PM
- friday: 8:00AM – 5:30PM
- saturday: 10:00AM – 5:30PM
- sunday: 10:00AM – 5:30PM
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- Divorce
- Non-QM Loans
- Purchase
- Refinance
- VA Loan
Marcie Ellis
- Originating Branch Manager
- Chesapeake, VA Mortgage Loan Officer
- NMLS #67534
Your biggest decision is my biggest passion
Hi, I’m Marcie, and since starting my mortgage career in the late ’90s, I’ve grown to be a leader in the industry. I reside in the Great Bridge area of Chesapeake, Virginia, with my family and truly love helping homebuyers achieve their homeownership dreams. Whether it’s your first time buying a home or your third, I have a sincere devotion to my clients and am dedicated to making your mortgage experience second to none.
As part of America’s #1 Retail Mortgage Lender, I make financing feel easy by providing a personalized loan tailored to your unique circumstances and goals. From conventional and jumbo to FHA, USDA, and VA loans, I’ll guide you through your options and make closing your mortgage a breeze. The power of homebuying rests in your hands, and when you’re ready to own the home of your dreams, I look forward to assisting you.
Marcie’s testimonials
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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.