Your St. Charles, Illinois mortgage experts
Your Future Our Focus
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- Refinance
- VA Loan
- FHA Loan
- First-Time Homebuyers
- Purchase
Finding and financing dream homes
As the Charles, Il, branch of America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. With more than 50 years of combined experience, our team offers expertise in every area of home financing with one common goal: to treat our clients the way that we would want to be treated!
When you work with our team, you can be sure that:
- You will receive personalized attention and superior customer service throughout your entire transaction
- We will analyze your situation to provide you with the best possible options to help you reach your goals, both immediate and long-term
- You will receive consistent communication throughout the loan process, from application to closing
- Our experienced loan officers will be available to offer guidance, even after your loan has closed, becoming a trusted resource for your future
Guides and resources
Should I buy a house or keep renting?
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
Chris’s testimonials
Meet our team
Gina Ramseyer
- Loan Officer
- NMLS #1454735
- 116 East Main Street
- St. Charles, IL 60174
- [email protected]
- mobile 630-329-6820
- tel 630-423-8036
- fax 630-580-0856
Chris Hoss
- Originating Branch Manager
- NMLS #933997
- 116 East Main Street
- St. Charles, IL 60174
- [email protected]
- mobile 630-546-6150
- tel 630-884-0030
- fax 630-884-0031
David Marden
- Outside Loan Originator
- NMLS #1833314
- 116 East Main Street
- St. Charles, IL 60174
- [email protected]
- mobile 314-313-2438
- tel 630-919-3445
- fax 630-919-3445
Nathaniel McCoy
- Loan Officer
- NMLS #2236892
- 116 East Main Street
- St. Charles, IL 60174
Robert Chomicz
- Outside Loan Originator
- NMLS #2334829
- 116 East Main Street
- St. Charles, IL 60174
- [email protected]
- mobile 630-699-9447
Shelly Blumberg
- Loan Officer
- NMLS #2456962
- 116 East Main Street
- St. Charles, IL 60174
- [email protected]
- mobile 630-777-5551
- tel 630-468-1978
- fax 630-468-1978
Our support staff
Chauncey Lawson
Loan Officer Assistant
Philip Hoss
Sales Manager
Julie Walker
Branch Operations Manager
Katie George
Loan Opener
Jessica Hoss
Jr. Loan Processor
Tyler Dameron
Loan Partner
Lana Abundez
Loan Officer AssistantMy social posts
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.