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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
Your Local CrossCountry Mortgage Loan Officer
Steve Schneider
I’ll be with you every step of the way
Hi, I’m Steve, and since 1995, I’ve built my business and reputation on providing unsurpassed service to clients and partners. Based in our Chicago, IL branch, I work with some of the top real estate agents, attorneys, CPAs, and financial planners in Chicagoland. Each knows me as an invaluable resource in home financing. My reputation, honesty, and up-front approach with clients have been recognized by Chicago Magazine’s Five Star Mortgage Professional Award for the past 10 years.
As part of America’s #1 Retail Mortgage Lender, whether you’re looking to finance or refinance your first home, next home, or investment property, I’m here to guide you with a level of communication that instills confidence. I offer a wide range of products, from conventional and jumbo to physician loans, FHA, VA, and renovation loans. Originally from Cleveland, I live in Chicago with my wife Jaime, daughter Ella, and our Tibetan Terrier Ziggy. In my free time, I enjoy traveling, seeing live music, and participating in charitable efforts.
Steve’s testimonials
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
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.
I’d love to hear from you.
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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.
