How much does it cost to refinance?

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. Learn more

How much house can I afford?

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. Learn more

What is a good credit score?

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. Learn more

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. Learn more

How do I calculate mortgage payments?

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. Learn more

116 East Main Street St. Charles, IL 60174 Mobile (630) 546-6150 Tel (630) 884-0030 Chris.Hoss@ccm.com

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- FHA Loan
- First-Time Homebuyers
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Your Local CrossCountry Mortgage Loan Officer

Chris Hoss

Originating Branch Manager
St. Charles, IL Mortgage Loan Officer
NMLS #933997

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I’ll be with you every step of the way

Hi, I’m Chris, and for the better part of 15 years, I’ve dedicated myself to improving the lives of my clients. Whether I’m counseling first-time homebuyers or coaching existing clients on how to improve their financial situation, I take pride in giving personalized attention to each and every client. Most importantly, I truly listen to my clients, offering them respect and understanding, which is essential for building lasting relationships.

My commitment to clear communication throughout the loan process helps put my clients at ease, ensuring a seamless, transparent experience. I also believe in making the mortgage journey an educational opportunity for their future. I’m excited to help you achieve your homeownership goals and provide you with a smooth and supportive experience.

With the backing of America’s #1 Retail Mortgage Lender, I’m proud to serve clients in St. Charles, IL and offer a wide range of mortgage options. Let’s work together to turn your homeownership dreams into reality!