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- monday: 8:00AM – 5:00PM
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- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Your Local CrossCountry Mortgage Loan Officer
Jeffrey Zulauf
1 in 35 homes is a CCM home
Hi, I’m Jeffrey. My objective is to help as many potential homeowners realize their dreams, as well as help current homeowners save money on their current loans. As part of our Suwanee, GA branch at America’s #1 Retail Mortgage Lender, my primary goal is to smoothly lead clients from contract to closing and educate them on the financing process from start to finish.
I’ve been a top producer for over 15 years in the mortgage industry, earning Presidents Club membership, Top Gun recognition, and Scotsman Guide’s Top Originators rankings in 2020. My experience includes resale, new construction, short sale, foreclosure, and other community lending programs. Whatever your homeownership goal may be, I specialize in numerous loan programs to help you achieve it:
- Conventional
- Jumbo
- FHA
- VA
- Streamline refinances
- Condo & second home financing
- CCM’s Signature Expanded Investor Cash Flow program
- Portfolio lending programs
- Specialty first-time homebuyer programs
At the end of the day, home financing is about relationships and sustaining relationships over time. Whether you’re buying your first home, building your dream home, or expanding your investment portfolio, I look forward to being your home financing partner from application to closing and beyond.
Guides and resources
How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.
Jeffrey’s Reviews
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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.