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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
Cole Fleeher
- Sales Manager/Mortgage Banker
- Fairfield, CT Mortgage Loan Officer
- NMLS #1708184
I’ll be with you every step of the way
Hello! My name is Cole. I joined the mortgage industry after graduating from East Connecticut State University in 2016 with a bachelor’s degree in finance. I started in a call center in Hartford, quickly becoming the top producer loan officer and employee of the year. A few years later, I decided to switch to a retail loan officer and joined America’s #1 Retail Mortgage Lender.
I joined home financing because it was a great opportunity to apply my education in finance to a career that helps people attain the American dream of homeownership. Specializing in New Haven and Fairfield counties, I primarily work with first-time homebuyers and investors using conventional, VA, FHA and DSCR loans.
I’m always available for my clients and partners. I pride myself on quick responses, solid pre-approvals and communicating with all parties during the transaction – leading to a smooth process from start to finish.
On a personal note, I live in West Hartford, CT, with my fiancé, Danielle, and our Goldendoodle, Louie.
Guides and resources
My social posts
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.