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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
Luke Andreen
- Senior Mortgage Consultant
- Pittsburgh, PA Mortgage Loan Officer
- NMLS #420588
I’ll be with you every step of the way
Hi, I’m Luke Andreen! I entered the mortgage industry in June 2003, and within two months, my brother Mark joined me. Together, we formed what is now known as The Andreen Team. Since then, we’ve helped over 7,000 families with their home financing, totaling more than $1 billion in loans. We take great pride in these achievements, especially because they’ve been made possible by referrals from satisfied clients and partners. These deep-rooted relationships are the driving force behind our success.
Our early careers were shaped by our dad, George Andreen, a lifelong entrepreneur and 30-year veteran of the real estate and mortgage business. Before he retired in 2012, he gave us the gift of his guidance, knowledge, and the opportunity to work together. Now, our greatest rewards are helping families, supporting the community, and creating a solid foundation for our clients’ long-term financial success.
Based in Pittsburgh, PA, we’re proud to be part of America’s #1 Retail Mortgage Lender and look forward to achieving your homeownership dreams.
Luke’s testimonials
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.