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- Conventional Loan
- First-Time Homebuyers
- Purchase
- Refinance
- USDA Loans
Tom Thuss
I love guiding first-time buyers home
Hi, I’m Tom, and for over 20 years, it’s been my honor to help homeowners throughout the Catawba Valley and Western North Carolina with their mortgages. I’m fortunate to work with an amazing team of home financing professionals who ensure your loan is processed smoothly and efficiently. We value the trust you place in us and strive to provide the best service possible.
When you work with my team and me, we personalize the mortgage process to fit your unique goals, circumstances, and priorities. Whether you need a conventional mortgage, a jumbo loan, or qualify for FHA, USDA, or VA programs, we’ll find the best product for your plans.
Located in Lenoir, NC, my commitment doesn’t end after securing your mortgage. From pre-approval to closing and beyond, I’ll be here to answer your questions and make sure your home loan continues to fit your changing circumstances. I look forward to starting your home financing journey with America’s #1 Retail Mortgage Lender!
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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.