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Your Local CrossCountry Mortgage Loan Officer

Michelle Rebok

  • Originating Branch Manager
  • Chambersburg, PA Mortgage Loan Officer
  • NMLS #475194

Dedicated to getting it done

test Hi, I’m Michelle, branch manager at the Chambersburg, PA branch of America’s #1 Retail Mortgage Lender. Before focusing on home financing, I spent several years in banking, where I found my passion for helping individuals and families achieve homeownership. I became a loan officer in 2005. My strong communication skills and background in customer service allow me to provide personalized, comprehensive support throughout the home financing process.

As a Certified Veteran Mortgage Advisor, I specialize in VA loans, offering tailored expertise and education to Veterans and their families. I also offer a variety of loans, including USDA, FHA, conventional, down payment assistance, and non-traditional programs like DSCR and bank statement loans. Together, we’ll find the right one for you.

Beyond the office, I was honored to receive the 2023 Ambassador of the Year award from the CVBA Chamber. I also volunteer with Habitat for Humanity and Franklin County Veteran’s Affairs.

 

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Michelle’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

 

Test 1

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Test 2

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Test 3

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

Family updating thermostat in energy-efficient home.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Go Green to Save Some Green

You can save a lot of money with energy-efficient appliances and eco-friendly home improvements. But if you don’t have cash, you’ll probably have to pay for them with a high-interest-rate credit card or personal loan that’ll cut into the money you’re saving. 

Meet CCM EasyGreen, an energy-efficient home mortgage that finances your improvements and gives you a special lower interest rate, too. 

Frequently asked questions

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

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    Buying a home is an exciting step and a big investment. We want you to enjoy the ride, so we’re here to make the process as easy as possible. Whether you’re a first-time homebuyer, buying a luxury house, or investing in property to build your real estate portfolio, our Homebuying Guide will help you on the journey from application to a new set of keys.

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