Your Cleveland, Ohio mortgage experts
Your Future Our Focus
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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
We’ll be with you every step of the way
Team Baker consists of seven loan originators supported by five operations staff in Cleveland, OH. Since the origination of Team Baker in the spring of 2016, the team has grown to be ranked in the Top 10% of branches at America’s #1 Retail Mortgage Lender. Leading the team is Douglas Baker, SVP of Strategic Business Development. Doug is a licensed attorney and a loan originator with more than 25 years of experience in the mortgage industry. He is supported by Ellen Kaim, Lending Team Manager. In this role, Ellen coordinates the operations team, consisting of Sr. Processors Mark Zona and Richard Smith. Additionally, Ellen is our liaison between the origination and operations teams and coordinates with the underwriters.
We all offer unique specialties, from expert knowledge of home loan programs and the mortgage process to the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
Guides and resources
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.
Meet our team
Richard Kuczmarski
- Loan Originator
- NMLS #262837
- 2160 Superior Avenue
- Cleveland, OH 44114
- [email protected]
- mobile 216-524-9511
- tel 216-373-7425
- fax 216-600-8343
George Sylvester
- Loan Originator
- NMLS #261679
- 2160 Superior Avenue
- Cleveland, OH 44114
Our support staff
Mark Zona
Loan Processor
Richard Smith
Loan ProcessorJaime Dunneback
Sales AssistantMy social posts
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.