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

4801 East Broadway Blvd, Suite 511
Tucson, AZ 85711 Tel 520.495.0222 [email protected]

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- monday: 8:30AM – 6:00PM
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- wednesday: 8:30AM – 6:00PM
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- saturday: 10:00AM – 7:30PM
- sunday: 11:00AM – 5:00PM
- Oro Valley, AZ
- Mountain View, AZ
- Cebolla, NM

Your Local CrossCountry Mortgage Loan Officer

Derrick Polder

Regional Vice President
Tucson, AZ Mortgage Loan Officer
NMLS # 207630

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I’m a Scotsman Guide Top Originator

I’m Derrick Polder, the founder and leader of The Polder Group at CrossCountry Mortgage in Tucson, AZ. With nearly two decades of mortgage experience, I’ve helped thousands of families achieve homeownership and funded more than $1 billion in home loans.

As a Regional Vice President and Senior Loan Officer with America’s #1 Retail Mortgage Lender, I lead The Polder Group and the Tucson Broadway branch, helping first-time homebuyers, Veterans and Active-Duty Service Members, move-up buyers, investors and homeowners throughout Southern Arizona navigate home purchases and refinancing.

Known for strategic mortgage solutions and a high-touch client experience, I’ve been recognized as a Scotsman Guide Top Originator, NAHREP Top 250 Mortgage Originator and 2026 BizTucson NextGen Leader.

Born in Athens, Greece, and raised in Tucson, I come from a Military Family and have deep roots in Southern Arizona. I enjoy spending time with my family, playing sports, traveling, and supporting the Tucson community.

See What I Qualify For

2025 Scotsman Guide Top Mortgage Lenders Award

2025 The Plain Dealer Top Workplaces Award

Guides and resources

Derrick’s Reviews

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Homebuying strength awaits.

With our recent acquisition of Two Harbors and RoundPoint, we can now open more doors … whether you’re looking for a first home, vacation home or investment property.

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What Are Conforming Loan Limits?

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How to Find Out Who Owns a Property

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Can You Buy a House with No Money Down?

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Your Local CrossCountry Mortgage Loan Officer

Derrick Polder

I’m a Scotsman Guide Top Originator

Guides and resources

Homebuying Guide

Mortgage Calculators

Refinance Guide

Derrick’s Reviews

Homebuying strength awaits.

Inspiration for your home loan journey

What Are Conforming Loan Limits?

How to Find Out Who Owns a Property

Can You Buy a House with No Money Down?

My social posts

I’d love to hear from you.