Your Fort Collins, Colorado mortgage experts
Your Future Our Focus
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- Purchase
- Refinance
Weu2019ll be with you every step of the way
Since joining the Fort Collins, CO branch of Americau2019s #1 Retail Mortgage Lender in 2018, we have helped get people into the homes they love by guiding them through every step of the mortgage process. When youu2019re making the biggest financial decision of your life, you want to work with a team that encompasses everything you need to ensure your success. With an in-house loan processor and sales assistant by your side, we are able to work closely together to get you into your dream home on time and with as little stress as possible.
Our biggest goal is to build trustworthy relationships with all our clients and partners by using over 30 years of combined years of experience to provide the expertise you need. We take pride in getting to know each and every one of our clients and helping them achieve their goals.
When we arenu2019t helping our clients get into their dream home, we support and stay involved in the local community as active members of both the Fort Collins and Windsor Chambers of Comme
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.
Inspiration for your home loan journey
Sherri’s testimonials
Meet our team
Sherri Knott
- Originating Branch Manager
- NMLS #207667
- 2108 Milestone Drive
- Suite 200
- Fort Collins, CO 80525
- [email protected]
- mobile 970-405-3336
- tel 970-632-2971
Our support staff
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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.