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- Purchase
- Refinance
Stef Adams
I’ll be with you every step of the way
Hello! My name is Stef. I’ve been in the mortgage business since March 2006 and have navigated thousands of homeowners through buying a home and refinancing. My involvement in the community and passion for historic preservation have fueled urban restoration and my business.
I grew up in Cincinnati and graduated from the University of Cincinnati with a bachelor’s degree in finance and accounting while playing basketball. During college, my brother and I started a painting and remodeling company. I bought my first home in Covington, KY, with an FHA 203(k) loan. At America’s #1 Retail Mortgage Lender, I’m able to combine my personal experience with a wide range of loans to provide an exceptional home financing experience to you, your family and your friends.
I live in MainStrasse with my wife, five kids and two dogs. When I’m not helping clients with home loans, I’m watching my kids play basketball and volleyball or traveling.
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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.