Michael Cross Mortgage Loan Officer Key Bank Cell Phone 203-704-7662Let me help you to purchase your new home or refinance your current home or rental property. A mortgage loan officer for more than 15 years; I have experience working for a consumer lender, a mortgage broker/lender, and Key Bank for the last 3 years. This varied experience and knowledge of all aspects of the lending business allows me to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are handled so that the closing goes smoothly and you can take possession of your new property in a timely fashion. Whether you’re a first-time homebuyer, looking to trade up, deciding to downsize, or simply wishing for a change in location, I can help you before you ever make an offer on a property. All business is first handled with a quick phone call, then an invite into my office, where all aspects of the loan process are explained in detail. I can sit down and look over your budget, income and savings, desires for a monthly payment and the amount of cash to closing you can afford. There are many factors to consider whengetting a home loan; interest rates, monthly payments, amount of real estate taxes, and cash to close are the most common and need further explanation. I will help you consider all your options, so you can concentrate on making the best decision to fit your needs. Home buying is the most important financial decision you will make in your life. It can be very stressful and overwhelming, if not explained and taken care of in a professional way. Let me be the trained and caring professional that helps guide you through this rewarding process. Contact me today at 203-704- 7662 or Michael.Cross@keybank.com, and let’s get started making your homeownership dream come true.