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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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- First-Time Homebuyers
- Non-QM Loans
- Purchase
- Refinance
- VA Loan
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Your Local CrossCountry Mortgage Loan Officer
Charles Hanson Toll
- Senior Loan Officer
- San Diego, CA Mortgage Loan Officer
- NMLS # 1783114
Specializing in all things Non-QM
Hello, I’m Charles! Since 2018, I’ve helped families find stability in their forever homes and build wealth through real estate. As your trusted partner in realizing your dream of homeownership, I’m not the hero of this story; you are. My job is to support you and ensure you can achieve your slice of the American dream.
As a loan officer with America’s #1 Retail Mortgage Lender, I’ve guided a variety of clients through the loan process. I help Veterans who’ve served our country find their home, experienced real estate investors build wealth and self-employed borrowers finance their family homes when other lenders tell them their tax returns won’t work. Whether a Bank Statement, DSCR or VA loan is what you need to achieve your goal, we’ll work together to personalize the mortgage experience to fit your plans.
On a personal note, I’m a golfer and an LA Clippers fan, so I must be a glutton for punishment.
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.
Charles’s testimonials
Inspiration for your home loan journey
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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.