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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
Steve McLaughlin
- Sr. Loan Officer
- York, PA Mortgage Loan Officer
- NMLS #145266
I’ll be with you every step of the way
Hi, I’m Steve, and I’m here to help you achieve your homeownership dreams with America’s #1 Retail Mortgage Lender! Based in York, PA, I’ve dedicated nearly 40 years to guiding families in Pennsylvania and Maryland through the mortgage process. Whether you’re buying your first home or refinancing to improve your financial situation, I’m committed to making your journey as smooth as possible.
I understand that our homes are the center of our lives, and I’m passionate about finding the right financing solution that fits your unique needs. From conventional and jumbo loans to FHA and VA, I’ll leave no stone unturned to help you achieve your goals.
I’ve built my reputation on providing exceptional service through informed advice and constant communication, ensuring a seamless experience from application to closing. Let’s work together to get you home!
Outside of work, I love spending time with my family, staying active at the gym, and enjoying outdoor activities.
Steve’s testimonials
Guides and resources
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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
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.