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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
Charles Hamilton
- Client Manager/Senior Loan Officer
- Lafayette Hill, PA Mortgage Loan Officer
- NMLS #1312178
I’ll be with you every step of the way
Hello, I’m Charles Hamilton, a lifelong resident of the Philadelphia area. I am a seasoned mortgage professional with over a decade in the industry. I’m passionate about guiding you through the mortgage loan process with honesty and integrity.
Buying a home is one of the biggest decisions you’ll make in your life and likely the biggest financial responsibility you will take on. My commitment to you is to educate you about the mortgage and homebuying process to the point that you’ll feel confident and comfortable in your decision to purchase a home and the financing options that come along with that.
It doesn’t matter if this is your first home or your fifth home or if you’re thinking about a refinance, I’m here to advise you in a professional manner. My team and I will tailor a plan that fits your long-term and short-term goals as you build wealth through real estate. Each person and their situation are unique and deserves a personal touch, and I’m committed to delivering that experience.
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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.