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- monday: 8:00AM – 5:00PM
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- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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Your Local CrossCountry Mortgage Loan Officer
Brandon Von Almen
- Originating Branch Manager
- Wooster, OH Mortgage Loan Officer
- NMLS # 457574
I’ll be with you every step of the way
Hi, I’m Brandon, and I’m dedicated to making your mortgage a win! I love serving my Wooster, OH community as a loan officer, bringing homeownership dreams to life in the place I call home.
Whether you’re buying or refinancing, the mortgage process might seem stressful. But that’s not the case with CrossCountry Mortgage. My team and I have years of experience helping clients close with confidence. I’ll answer your questions in simple terms, help you through each step in home financing and do everything in my power to help you go from getting pre-approved to relaxing at home in no time.
With CCM, you get more than a smooth process – you get more mortgage options, too. We have client favorites like conventional, FHA, VA, and USDA loans, plus a selection of programs you won’t find anywhere else.
Ready to take the first step toward your homeownership dreams? Reach out to me and make your mortgage a win with America’s #1 Retail Mortgage Lender!
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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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Non-QM loans use expanded home financing criteria to give borrowers income and credit flexibility. From qualifying with bank statements or 1099 income to purchasing investment properties, Non-QM loans open doors to homeownership many don’t realize are available.
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Also known as Investor Cash Flow loans, DSCR loans are designed to help real estate investors secure financing with their rental property’s cash flow. Instead of relying on personal income, DSCR loans use the debt service coverage ratio (DSCR) to qualify.
DSCR is calculated by dividing the monthly rental income by principle, interest, property taxes, homeowners insurance and association dues.
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Since Non-QM loans don’t follow traditional guidelines, they’re considered riskier. That’s why lenders often require a higher down payment, interest rate and other terms.
But Non-QM loans are a safe financing option that benefits many homebuyers. Talk to a CCM loan officer to learn what’s right for you.
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Reverse mortgages allow homeowners age 62+ (or borrowers as young as 55 depending on product and state) to tap into their primary residence’s equity while continuing to live and own their home. Borrowers can receive tax-free funds as a lump sum, fixed monthly payments, a growing line of credit, or as financing toward the purchase of a new home. The loan doesn’t have to be repaid until the borrower sells, moves out, or passes away. (Equity is the difference between what you owe on your home [mortgage] and your home’s worth.)
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With a traditional mortgage, you borrow money to buy or refinance a home and make monthly principal and interest payments to the lender. With a reverse mortgage, you borrow money based on your home equity and the value of your home (and other factors) and receive the funds directly, but monthly mortgage payments are optional. You are still responsible for property taxes, homeowners insurance, and home maintenance while you live in the home.
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Reverse mortgages aren’t a one-size-fits-all solution and there’s a lot of misinformation about these loans, so meeting with an experienced reverse mortgage loan originator is a good first step. Many homeowners use reverse mortgages as a strategic tool to supplement retirement income, consolidate debt, fund home repairs, or cover medical expenses to improve their financial security in retirement.
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