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7300 Hudson Blvd N, #165, Office A Oakdale, MN 55128 Mobile (320) 250-1032 Tel (612) 324-4463 [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
Justin Moeller
I’ll be with you every step of the way
Hi, I’m Justin. I began my mortgage career in early 2017, looking for a shift from the auto industry. I’ve stayed in this business because I enjoy helping people with one of the biggest decisions they’ll ever make. As a member of our Oakdale, MN team at America’s #1 Retail Mortgage Lender, I work hard for all my clients and excel at building relationships by offering a friendly and helping hand. When you rely on me to make your mortgage goals happen, I deliver results and always come through.
Whether this is your first home, next home, a refinance, or an investment property, I am here to guide you with a level of communication that gives you confidence you’re making the right choices for you and your family. I offer a wide range of products, from conventional and jumbo to FHA, VA, and renovation. Together, we will walk through the steps of your homebuying journey.
I went to Foley High School and grew up just south of that town. For fun, I like to spend time with my family, play guitar when I have a moment, watch sports, and cook delicious meals.
Guides and resources
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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.