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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
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Justin Machak
I’ll be with you every step of the way
Hello! My name is Justin Machak, and I’m excited to help you open the doors to your dream home! I joined the mortgage industry in 2006 with a passion and love for helping people with the financial decisions that come with homeownership. As a dedicated loan officer at our Northville, MI branch, I’m here to guide you through the homebuying process at America’s #1 Retail Mortgage Lender.
I pride myself on the relationships I build, and the clients I still have strong connections with almost 20 years later are a testament to that. From our first conversation to closing, I’ll provide clear communication that instills confidence you are making the right choices for your future. I specialize in refinance and home purchases using conventional, FHA, VA and USDA loans. Together, we’ll develop a mortgage plan just for you.
On a personal note, I have a lovely wife and four children that I love spending time with outside of work.
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.
Justin’s testimonials
Inspiration for your home loan journey
My social posts
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.