David Cortes - American Eagle Mortgage Powered By CrossCountry Mortgage LLC

David Cortes - American Eagle Mortgage Powered By CrossCountry Mortgage LLC Born and Raised in Lorain, OH. Mortgage Loan Officer 🏡 I help clients find lending solutions tailored to their needs.

NLMS #2687018 Branch NMLS #2340532 Company NMLS #3029 Equal Housing Opportunity

06/08/2026

🚫 Mortgage Myth Monday: “If you’ve had a bankruptcy, you’ll never be able to buy a home.”

✅ FACT: A bankruptcy does not mean homeownership is off the table forever.

Many loan programs allow buyers to qualify for a mortgage again after meeting the required seasoning period following a bankruptcy discharge. The exact timeline depends on the loan program and your overall financial profile, but a past bankruptcy doesn’t automatically disqualify you from owning a home.

I’ve helped clients who thought homeownership was years away, only to find out they were much closer than they realized.

If you’ve had a bankruptcy in the past and aren’t sure where you stand today, let’s put together a game plan and see what options may be available. You might be closer to getting the keys to your next home than you think. 🔑🏡

📩 Send me a message to find out where you stand and what steps can help you get mortgage-ready.

NLMS #2687018 👨🏽‍💻

⭐ Testimonial Thursday ⭐There’s no better compliment than a client feeling like they were the top priority throughout th...
06/04/2026

⭐ Testimonial Thursday ⭐

There’s no better compliment than a client feeling like they were the top priority throughout the entire process.

Buying a home can be stressful, but communication, responsiveness, and making sure my clients always know what’s happening are things I take seriously. My goal is to make every client feel like they’re my only client.

Thank you, Steven, for trusting me with your home financing journey and for taking the time to share your experience! 🏡⭐

If you’re thinking about buying, refinancing, or just want a game plan for the future, I’m here to help.

📲 Reach out anytime to get started!

NLMS #2687018 👨🏽‍💻

06/01/2026

Mortgage Myth Monday 🚫🏡

Myth: “Refinancing is bad because you’re starting your mortgage over.”

Fact: Refinancing isn’t automatically good or bad it depends on the numbers.

For this client, refinancing:
✅ Lowered their interest rate by over 1%
✅ Removed PMI
✅ Reduced their monthly payment by $409 per month
✅ Required less than one mortgage payment to close

Could they have kept their existing loan just to avoid “starting over?” Sure. But why pay more every month when a refinance can create significant monthly savings and improve cash flow?

The goal isn’t to avoid refinancing. The goal is to make informed financial decisions that put you in a better position than you were before.

Every situation is different, which is why it’s important to look at the full picture not just the loan term.

Thinking about refinancing? Let’s run the numbers and see if it makes sense for your situation. 📲

NLMS: 2687018 👨🏽‍💻

📉 OHFA LOWERED THEIR RATES TODAY! 📉For many buyers, the biggest hurdle isn’t qualifying for a mortgage it’s coming up wi...
06/01/2026

📉 OHFA LOWERED THEIR RATES TODAY! 📉

For many buyers, the biggest hurdle isn’t qualifying for a mortgage it’s coming up with the cash needed for a down payment and closing costs.

That’s why today’s OHFA rate update is worth paying attention to:

🏡 First-Time Homebuyer Program
• 3.750% with no OHFA assistance
• 5.000% with 3% or 3.5% OHFA Down Payment Assistance

🦸 Ohio Heroes Program
• 3.500% with no OHFA assistance
• 4.750% with OHFA Down Payment Assistance

These programs can provide an opportunity for eligible buyers to receive down payment assistance while still securing a competitive fixed interest rate.

If you’ve been sitting on the sidelines because you thought you needed a large amount of cash to buy a home, now may be the time to explore your options.

📲 Reach out today and let’s build a game plan to see if an OHFA program could help you get into a home sooner than you think.

Rates shown from OHFA’s 6/1/26 update. Eligibility requirements and program guidelines apply.

NLMS #2687018 👨🏽‍💻

⭐️⭐️⭐️⭐️⭐️Testimonial Tuesday ⭐️⭐️⭐️⭐️⭐️About a year ago, Gia reached out with a goal: homeownership. 🏡At the time, it w...
05/26/2026

⭐️⭐️⭐️⭐️⭐️Testimonial Tuesday ⭐️⭐️⭐️⭐️⭐️

About a year ago, Gia reached out with a goal: homeownership. 🏡

At the time, it wasn’t just about getting pre-approved overnight it was about building a gameplan, staying patient, and putting the work in. From last June until closing day, she executed every step we talked about and turned that goal into reality. 👏🏼

This is why I always say that “not right now” does not always mean “never.” Sometimes all it takes is the right strategy and consistency.

Huge thank you to Gia for trusting me throughout the process and allowing me to be part of such a big milestone. Your business and trust truly mean a lot. Congratulations again! 🎉

NLMS #2687018 👨🏽‍💻

05/23/2026

🏡 Open House Today in Westlake!

Join us from 2–4 PM at 26553 Hilliard Blvd and tour this beautiful home priced at $549,900. Featuring tons of recent updates and new additions throughout, this one is definitely worth seeing in person. ✨

Hosted today by Anthony Zunt with Russell Real Estate Services. Stop by, take a tour, and see what makes this home stand out! 🔑

NLMS #2687018 👨🏽‍💻

05/18/2026

🚨 Mortgage Myth Monday 🚨

Myth: “You should always choose the lender with the lowest advertised rate.”

✅ Reality: The lowest rate doesn’t always mean the best deal.

Closing costs, points, communication, turnaround times, and overall strategy all matter during the homebuying process. A great loan experience is more than just a number on paper.

Sometimes saving a fraction on rate can cost buyers more in delays, stress, or upfront expenses.

The goal isn’t just getting a loan it’s getting the right loan for your situation. 🏡

If you’re thinking about buying, refinancing, or just want a gameplan, let’s talk.

NLMS #2687018 👨🏽‍💻

05/17/2026

🏡 Open House Today in Amherst!

Join us from 11–1 today at 1250 Orchard Glen Dr, Amherst, OH and come check out everything this beautiful home has to offer.

Hosted by Andrea Repko with Russell Real Estate Services stop by, tour the home, and see why this one could be the perfect fit.

Whether you’re actively house hunting or just starting the process, this is a great opportunity to explore the market in person. See you there! 🔑🏡

NLMS #2687018 👨🏽‍💻

⭐️ Testimonial Tuesday ⭐️Fast communication, strong preparation, and smooth closings matter especially in a competitive ...
05/12/2026

⭐️ Testimonial Tuesday ⭐️

Fast communication, strong preparation, and smooth closings matter especially in a competitive market. Grateful for agents like Don Calhoun trusting us to help get clients pre-approved quickly and positioned to win.🏡

At American Eagle Mortgage, we pride ourselves on staying proactive from pre-approval to closing day so everyone stays informed and on track. 🤝🏼

Ready to build a game plan for your next buyer? Let’s connect. 📲

NLMS #2687018 👨🏽‍💻

05/11/2026

Mortgage Myth Monday 🏡☀️

Myth: “You need 20-30% down to buy a vacation home.” 💰

Fact: A second home or vacation property may require more down than a primary residence, but 20-30% isn’t always necessary. Depending on the loan program, credit profile, debt-to-income ratio, and overall scenario, there can be lower down payment options available than most people expect. 📋🔑

A lot of buyers assume owning a lake house, beach condo, or weekend getaway is completely out of reach when in reality, it starts with having the right game plan and understanding your financing options. 🌴🏖️

Thinking about a vacation home someday? Let’s map out what it could realistically look like for you. 📲

NLMS #2687018 👨🏽‍💻

Address

Lorain County, OH
44052

Telephone

+14405416152

Website

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