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10401 Interstate 10 West, Suites 200 and 201 San Antonio, TX 78230 Mobile (619) 370-6519 Tel (619) 378-3795 [email protected]
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- monday: 6:00AM – 5:00PM
- tuesday: 6:00AM – 5:00PM
- wednesday: 6:00AM – 5:00PM
- thursday: 6:00AM – 5:00PM
- friday: 6:00AM – 5:00PM
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- FHA Loan
- Purchase
- Refinance
- Renovation Loan
- VA Loan
Michael Chiodo
- Branch Manager
- San Antonio, TX Mortgage Loan Officer
- NMLS #378308
I’ll be with you every step of the way
My journey into real estate started young, getting my first “loan” from my dad in elementary school to buy a Lego set and build a little town. Since then, I’ve gone from loan officer assistance to branch manager and helped clients at every stage of their homeownership journey.
Known as the lender who figures it out, I turn challenges into solutions – making complex loan scenarios easy to understand. I offer a full range of loan programs, from first-time homebuyer and VA loans to bank statement and investor-focused programs, helping clients build wealth and financial security through real estate.
My vision is simple: to be the most trusted and referred lender in the markets I serve, bringing financial stability and wealth-building opportunities to each of my clients at America’s #1 Retail Mortgage Lender.
When I’m not working, you’ll find me touring new properties, trying new restaurants, or up in the skies with my pilot’s license in hand.
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.