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8740 E Market Street, Unit 5 Warren, OH 44484 Mobile (330) 328-4084 Tel (330) 328-4084 [email protected]
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- monday: 8:00AM – 7:00PM
- tuesday: 8:00AM – 7:00PM
- wednesday: 8:00AM – 7:00PM
- thursday: 8:00AM – 7:00PM
- friday: 8:00AM – 7:00PM
- saturday: 8:00AM – 5:00PM
- sunday: 8:00AM – 5:00PM
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- Conventional Loan
- Divorce
- Down Payment Assistance
- FHA Loan
- VA Loan
Michael Miller
I’ll be with you every step of the way
Hi, I’m Michael, a Veteran of the U.S. Navy, USS John F. Kennedy (CV-67), I specialize and take pride in making VA loans simple for our Veterans and their families! From pre-approval to closing, I’ll work with you and your agent to answer any lending questions you may have and deliver the right loan for the right reasons while exceeding all expectations.
As part of our Warren, OH branch at America’s #1 Retail Mortgage Lender, I’m proud to offer innovative mortgage products, cutting-edge technology, and dedicated customer service. We provide an extensive range of products, from conventional and jumbo mortgages to government-insured programs for Veterans and rural homebuyers. Each homebuyer is different, so we make sure there is a solution for every lifestyle and personal situation. Whether you’re a first-time homebuyer or a long-time homeowner making your next big move, I’m here to guide you every step of the way – and make your mortgage a win.
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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
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.