Your Wayne, Pennsylvania mortgage experts
Your Future Our Focus
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
We’ll be with you every step of the way
Our main objective is to be a valuable resource for everyone involved in the mortgage process. We have the experience, knowledge, and determination to guide you through each step quickly and efficiently. Our team comes from a background in operations, so we’re educated on what happens behind the scenes during a loan transaction, allowing us to identify and resolve any potential issues ahead of time. We value our connection and relationships with our borrowers and always aim to provide them with the exceptional customer service. As the Wayne, PA branch of America’s #1 Retail Mortgage Lender, we pride ourselves on being able to provide a wide range of solutions to fit your homeownership goals.
Even if we’re simply answering your questions or running numbers that don’t result in a mortgage application with us, we’re more than happy to provide expert advice and guidance. We’re dedicated to sharing our knowledge to benefit you.
Guides and resources
How much will my mortgage payment be?
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
Ian’s testimonials
Meet our team
Ian Clardy
- Originating Branch Manager
- NMLS #1028728
- 37 West Avenue
- Suite 201
- Wayne, PA 19087
- [email protected]
- mobile 484-614-5480
- tel 610-355-8031
- fax 858-428-6207
Our support staff
Gia Fuchs
Loan ProcessorMy 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.