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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
Your Local CrossCountry Mortgage Loan Officer
Jeff Adams
- Client Care Manager
- Cincinnati, OH Mortgage Loan Officer
- NMLS # 1851495
I’ll be with you every step of the way
Hello! I’m Jeffrey Adams, a loan advisor with America’s #1 Retail Mortgage Lender here in Cincinnati, OH. I started in home financing in 2019, but the roots go back much further. I grew up in Cleveland during the 2008 recession, and watching my family navigate financial challenges pushed me toward a career where I could help other families improve their financial wellbeing. That experience still guides how I show up for every client today.
I specialize in helping busy families and self-employed borrowers with complex income. Whether it’s a refinance or a purchase using conventional, FHA or VA options — or something more specialized like bank statement loans, DSCR or mobile home financing — my focus is simple: clear communication, honest guidance and a smooth process from start to finish.
Family is at the center of everything I do. My goal isn’t just to close a loan — it’s to help you protect your household’s financial future.
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.