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- monday: 8:30AM – 6:00PM
- tuesday: 8:30AM – 6:00PM
- wednesday: 8:30AM – 6:00PM
- thursday: 8:30AM – 6:00PM
- friday: 8:30AM – 4:00PM
- saturday: 9:00AM – 1:00PM
- sunday: 9:00AM – 1:00PM
Your Local CrossCountry Mortgage Loan Officer
Jason Orzel
- Loan Officer
- Cleveland, OH Mortgage Loan Officer
- NMLS # 1034897
Dedicated to getting it done
Hello! My name is Jason. With over a decade of mortgage expertise, I’m dedicated to helping families achieve their dream of homeownership. I provide tailored home financing solutions, assisting buyers, investors and real estate professionals in making their mortgage a win.
Each mortgage is unique to your goals, circumstances and priorities. Maybe a conventional mortgage will meet your requirements. Perhaps a jumbo loan is a better fit for your big dreams. Or you could qualify for programs like FHA, USDA, VA or Non-QM loans. Whether you’re purchasing, renovating or refinancing, America’s #1 Retail Mortgage Lender offers a product for your plans.
Experience firsthand what it’s like to work with a true professional – let me show you the difference.
When I’m not crunching numbers, you’ll find me enjoying the great outdoors. In the summer, I’m camping with my wife, two kids and three dogs or riding my HD Road Glide. In the winter, I channel my competitive spirit into snowboard racing.
Jason’s Reviews
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Calculate your DTI ratio to see how much house you can afford.
Enter your recurring monthly debt and gross monthly income to calculate your debt-to-income ratio and see how it compares to a typical limit.
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.
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1. Pre-qualify for a home loan
2. Check your credit report
3. Meet with a CCM loan officer
4. Establish your homebuying budget
5. Get pre-approved
6. Work with a real estate agent
7. Find your dream home
8. Submit your mortgage application
9. Make an offer
10. Get a home inspection
11. Close your loan
12. Move into your home!
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It depends on the home loan. For example, conventional loans require a minimum credit score of 620. But VA and FHA loans may allow homebuyers to qualify with a credit score as low as 500. It’s important to note that lower credit scores often come with additional requirements or higher interest rates.
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It typically takes a few months to buy a home. The exact length of the process will depend on the market, home and other financing factors.
At CrossCountry Mortgage, we’re dedicated to making the mortgage side of homebuying smooth and stress-free – offering full approvals quickly through our FastTrack program.
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First, let’s see if you qualify for certain government-back loans. If you are a Veteran or Service Member, VA loans require 0% down. Same goes for rural homebuyers with USDA loans.
Second, talk to a CCM loan officer about local, state and national down payment assistance programs that may cover your down payment costs.
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That is more about you than the market! You’ll want to consider if you are ready to take on the homebuying process and then calculate your purchasing power with a CCM loan officer. Once you know your homebuying budget, it’s time to house hunt and explore your desired community for the home of your dreams.
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Before you find your dream home, it will help to have:
- Your credit score
- Proof of employment and income
- Cash or assistance for a down payment
- The right loan
- A homebuying budget
- An expert real estate agent
- Your dedicated CCM loan officer