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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
Scott Hulsey
- Originating Branch Manager
- Chicago, IL Mortgage Loan Officer
- NMLS #223077
I’ll be with you every step of the way
Hi, I’m Scott Hulsey, and I started my mortgage career in 2003 after being recruited by “Mortgage Matt” Doyle, my old college roommate. Three years into the business, Matt and I created Team Doyle/Hulsey. From day one, our focus has been customer service, ensuring the mortgage process is stress-free and transparent for every client.
As the Chicago, IL branch of America’s #1 Retail Mortgage Lender, we pride ourselves on open communication with all parties involved, working diligently to close quickly while providing the best possible experience. We treat every opportunity to work with our clients as a privilege, not a right. That’s why we always keep our clients’ goals and interests at the forefront of everything we do. Living by the golden rule—treat others as you’d like to be treated—has helped me build a business based on referrals from past clients, agents, friends, and family.
Guides and resources
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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.