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  • 526 Cumberland Street, Suite 2 Lebanon, PA 17042 Mobile (717) 659-0289 Mike@mikeandsarateam.com
Your Local CrossCountry Mortgage Loan Officer

Mike Folkemer

  • Co-Branch Manager
  • Lebanon, PA Mortgage Loan Officer
  • NMLS #783536
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I’ll be with you every step of the way

Hi, I’m Mike, based in Lebanon, PA, and an 18-year veteran of the mortgage industry, covering Dauphin, Lebanon, Cumberland, and York Counties. I specialize in excellent customer service and helping people buy, build, and refinance their homes. As a loan officer, I love to begin every mortgage by listening. That’s how I’ll structure your ideal home loan — by understanding your goals and priorities. Whether you’re a first-time homebuyer, a long-time homeowner, or buying an investment property, I offer a wide range of programs, from conventional and jumbo to FHA and VA. Together, we’ll find the right one for you.

Sharing information is just as important as listening. I’m dedicated to keeping you informed about your loan’s progress while answering your questions from application to closing and beyond. Whether you’re buying, refinancing, or renovating, I’m ready to give you an outstanding mortgage experience with the support of America’s #1 Retail Mortgage Lender.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • 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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