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Your Local CrossCountry Mortgage Loan Officer
Tom Lade
Ohio’s #1 Retail Mortgage Lender
I’m Tom Lade, a loan officer serving Powell, Columbus and communities across Central Ohio. Buying a home, moving into your next one or using your home equity should not feel complicated. I’ll explain your options clearly, solve problems early and help you move forward with confidence.
Since 2012, I’ve guided more than 1,200 homebuyers and homeowners through the mortgage process. From first-time homebuyers and move-up buyers to self-employed borrowers, real estate investors and current homeowners, I’ve used many loans to help many different situations.
At America’s #1 Retail Mortgage lender, I offer Non-QM loans designed for self-employed borrowers and real estate investors, including bank statement, asset qualifier, 1099, P&L and DSCR options. I can also help you explore a HELOC for renovations, debt consolidation, investment opportunities or accessing equity without refinancing. Plus, my Buy Now, Sell Later program may let you purchase your next home before selling your current one.
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Compare two mortgage loans to see which one will save you money.
Enter the basic terms for two different loans to calculate the difference between them and see a cost comparison.
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.