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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
Courtney Gattshall
I’ll be with you every step of the way
Hi, I’m Courtney. My goal is to help you obtain your dream home through professional service and clear communication, whether you’re a first-time or experienced homebuyer.
I earned my bachelor’s degree in accounting at Bowling Green State University and my MBA through Franklin University. I have 10 years of experience in auditing, including eight and a half years in lending and risk identification. For a long time, part of my job was reviewing different firms’ lending management, policies, practices, programs, underwriting, and portfolios for consumer, mortgage, agriculture, church, and commercial loans. Mortgage files were always my favorite loan type to review.
I decided to join CrossCountry Mortgage because it’s a lender with a wide range of options to help me meet the needs of every client. As a senior loan officer at our Columbus, OH branch at America’s #1 Retail Mortgage Lender, I leverage many tools and resources to guide clients through any situation. Additionally, my team has a combined experience of over 60 years!
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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.
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.