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413 N. Carpenter St., Suite 1W Chicago, IL 60642 Mobile (708) 220-0525 Tel (312) 319-8711 [email protected]
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- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
- saturday: 7:00AM – 4:00PM
- sunday: 7:00AM – 4:00PM
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- Conventional Loan
- First-Time Homebuyers
- Investment Property
- Jumbo Loan
- Non-QM Loans
Maggie Mikaitis
- VP of Mortgage Lending
- Chicago, IL Mortgage Loan Officer
- NMLS #1395394
I’ll be with you every step of the way
Hi, I’m Maggie Mikaitis, and I’m here to make your home financing journey smooth and successful. With 13 years of experience in the mortgage industry, I’m a senior loan officer at our Chicago, IL office. I’ve handled everything from processing and underwriting to sales and management, and I’m proud to offer the expertise of America’s #1 Retail Mortgage Lender.
I specialize in Conventional, Jumbo, FHA/VA, and Condo financing, with a focus on investment property financing. Whether you’re looking to build or expand your real estate portfolio, I’m here to help you every step of the way with superior customer service.
. I am a native of Chicago, I currently live in the South Loop, and I’m passionate about giving back to the community. Outside of my work I spend my time volunteering at homeless shelters and the Red Cross. Let’s work together to achieve your homeownership goals!
Maggie’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.