How much does it cost to refinance?

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. Learn more

How much house can I afford?

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. Learn more

What is a good credit score?

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. Learn more

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. Learn more

How do I calculate mortgage payments?

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. Learn more

2085 Country Road D East, B-100 & B-200
Maplewood, MN 55109 Mobile (763) 656-3938 [email protected]
- 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

Your Local CrossCountry Mortgage Loan Officer

Patrick Black

Loan Officer
Maplewood, MN Mortgage Loan Officer
NMLS #1514350

I’ll be with you every step of the way

Hello! My name is Patrick, and I’m a trusted loan officer with CrossCountry Mortgage, America’s #1 Retail Mortgage Lender. Whether you’re buying a new home, making upgrades or refinancing, I’m here to make your mortgage simple, fast and feel like a win.

At CCM, we offer more than just competitive rates. We have more loans to fit more homes. From conventional and jumbo to VA, FHA and exclusive in-house programs, you’ll find a loan for just about anything – including purchasing, investing, building, renovating or accessing equity from your home.

With years of experience and a commitment to top-tier service, I’ll help you navigate home financing. You’ll get expert guidance, straightforward answers and a personalized plan to reach your homeownership goals. From start to finish, you’ll feel confident in closing.

When it comes to your mortgage, work with the best. Let’s connect and discuss how we can make your experience second to none.

Guides and resources

My social posts

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

Get pre-approved for a purchase
Get pre-approved for a refinance
Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Your Local CrossCountry Mortgage Loan Officer

Patrick Black

I’ll be with you every step of the way

Patrick’s testimonials

Guides and resources

Homebuying Guide

Mortgage Calculators

Refinance Guide

My social posts

The Fed dropped its benchmark interest rate.