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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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Your Local CrossCountry Mortgage Loan Officer
Chad Winn
- Senior Loan Officer
- Clarksville, TN Mortgage Loan Officer
- NMLS # 628415
I’ll be with you every step of the way
Hello! I’m Chad, a senior loan officer at the Clarksville, TN branch of America’s #1 Retail Mortgage Lender. I started in home financing in 1999, working for local banks here in Clarksville for the last 19 years. There’s nothing I love more than helping people become homeowners.
My team and I will help guide you through your mortgage journey. Let’s start by discussing your specific circumstances so we can offer the right loan for your home. I’ll always be available to help with your questions or concerns — including nights and weekends. Specializing in VA, FHA, conventional and down payment assistance programs, we’ll find the product to make your dreams a reality.
On a personal note, I’ve been married to my wife for over 30 years and have three children. I’ve been in Clarksville for most of my life, with both of my parents from here. I’m very active in our local church and enjoy golfing, watching pro and college football and spending time with family.
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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.