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1375 South Main Street, Suite 102 North Canton, OH 44720 Mobile (330) 472-5848 Tel (330) 355-1903 [email protected]
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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
Christopher Lynch
I’ll be with you every step of the way
Hi, I’m Christopher. While I officially joined the mortgage industry in 2014, it wasn’t my first experience with the business. My mom worked in home financing and taught me everything I needed to know. I tried to stay away from the mortgage industry but kept running back to it! Home financing is filled with numbers and serving communities—my two passions.
I’m proud to work with people to buy their first home, invest in real estate, and create opportunities for generational wealth. No matter your homeownership goal, I’ll meet you where you’re at, not push you to be further than you are. We’ll discuss your priorities and circumstances, answer your questions, and walk side by side from applying for a loan to the finish line of your homebuying journey. As part of America’s #1 Retail Mortgage Lender in North Canton, OH, I’m here to provide guidance every step of the way.
Home for me is my wife, our two kids, and a five-year-old St. Bernard. I also volunteer locally with my church and non-profits across Stark County.
Christopher’s testimonials
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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.