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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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Your Local CrossCountry Mortgage Loan Officer
Rob Parham
- Senior Vice President of Production
- Plano, TX Mortgage Loan Officer
- NMLS # 195722
I’ll be with you every step of the way
Hi, I’m Rob, a graduate of the University of Iowa Tippie College of Business who entered the mortgage world in 1998. In 26 years, I’ve earned company awards for most units closed, top office capture rates, and top client service. As a branch manager in North Texas and Oklahoma, I work diligently for smooth, stress-free closings and to know every market trend.
While I work with many clients, I especially enjoy helping first-time homebuyers find the right loan to start their homebuying experience. I’m an expert in VA, FHA, USDA, conventional, and jumbo home loans. Plus, I lead a team of professionals at America’s #1 Retail Mortgage Lender who understand that synergy and how to turn complex loans into satisfying solutions.
Looking for that personal touch or to answer your questions about the loan process? Give me a call today!
When I’m not working, I’m keeping up with my family. A Hawkeye at heart, I’m also a Texas Aggie through my boys, who are enjoying their time at College Station.
Guides and resources
Estimate the proceeds you can take from the sale of your home.
Enter the basic information for your home sale to calculate your potential seller proceeds.
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.
Rob’s Reviews
Inspiration for your home loan journey
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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.