Step-by-step process to getting the keys to your new home.
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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
Rob Norman
- Originating Branch Manager
- Cleveland, OH Mortgage Loan Officer
- NMLS # 403969
I’ll be with you every step of the way
I’m Rob Norman, a mortgage consultant guiding individuals and families in Indiana and Florida. With over 35 years of mortgage experience, I’ve enjoyed helping clients understand the process and creating a great experience.
Mortgage lending is more than a career for me. It’s been a lifelong journey that has included financial services, business ownership, and roles with banks and mortgage companies. Those experiences have shaped my consultative approach, allowing me to help clients navigate the mortgage process with clarity and confidence. Paired with America’s #1 Mortgage Retail Lender, I have the tools and expertise to help you reach your homeownership goals.
As a lifelong Central Indiana resident, I’m proud to share life with my wife, Cathy, our three adult children and our two awesome grandsons. I am involved in my church, local real estate organizations and community choir. Outside of work, I enjoy spending time with family and friends, golfing, bowling and attending IndyCar races.
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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.