As senior vice president of CrossCountry Mortgage, Richard Tschernia offers veterans, first responders, and their families incredible deals when acquiring new homes. With the real estate industry still operating as a seller’s market, such individuals can benefit from such perks as a 3% down payment in addition to ongoing savings every month.
America’s veterans and first responders often receive verbal praise, but that rarely prevents life from proving far more difficult for them than for the average man or woman. Fortunately, mortgage banking expert Richard Tschernia knows how to help them find a more than adequate solution.
However, while there’s much to say about how Richard Tschernia and CrossCountry Mortgage can help, it’s important to first understand why these vital American citizens need mortgages in the first place.
Why America’s Heroes Need Mortgages
Veterans and first responders suffer incredibly great financial difficulties, in spite of the benefits many assume them to receive from their place of work or from the Department of Veterans Affairs. These economic failings affect them most greatly when attempting to buy a home to provide their families comfort during times of stress.
For instance, many veterans and first responders suffer from an increased need for mental health treatment, yet inadequate provision of such treatment runs so rampant that it often leads to increased rates of suicide among them.
Richard Tschernia says that when seeking treatment, they must often do so out of pocket. If unable to do so, their suffering leads to even worse fear and suffering among their family members, who already struggle with the daily terror of wondering if their loved one will return home at the end of the night.
Naturally, this makes it quite difficult to afford a home without an adequate mortgage. As it does for all new homeowners, a mortgage helps them stretch their money further without footing too much of the bill upfront, something only America’s richest citizens can accomplish today. This allows them to afford the care and treatment they need for both themselves and their families.
Difficulties in Getting a Mortgage
As stated all too truthfully by CrossCountry Mortgage COO Jenn Stracensky, many new buyers consider home ownership to be “an impossible dream.” This outlook doubly affects first responders and veterans. Adding their own physical and mental health concerns to those of their families, many already find themselves struggling to support themselves financially on their own, let alone while caring for their spouses and children.
Richard Tschernia explains that this makes the difficulties in buying a new home a little harder for them. Such difficulties include:
- Unreasonably high down payments
- Inability to make monthly mortgage payments
- High interest over time
- Unreasonably low credit scores
- Hidden closing cost fees
- Rising mortgage rates in a seller’s market
Additionally, the long hours worked by veterans and first responders make it difficult to sort out all the paperwork needed to find solutions to these issues. If struggling financially, their spouses often find equal difficulty with time management due to a need to balance working with taking care of home and family. Those in such a position need someone to step in and help. Richard Tschernia and CrossCountry Mortgage provide that relief.
How CrossCountry Mortgage Can Help
CrossCountry Mortgage provides mortgage relief to veterans, first responders, and even teachers. Naturally, this help extends to their families as well. With four decades of experience in mortgage banking, Richard Tschernia has led CrossCountry Mortgage to provide the best of relief to more than 600 branches, spread across every state in the nation. These benefits include:
- Helping responders find government loans with minimal restrictions
- Down payments that run as low as 3%
- Time saved by cutting out in-person meetings through digital pre-approval
- No-cost temporary buydowns to provide lower initial monthly payments
- Grants and zero-interest loans to provide assistance on down payments
- Ongoing and supportive communication to keep buyers in the loop
Moreover, CrossCountry personalizes these benefits to the specific need of the buyer. While veterans, first responders and their families may go through similar struggles, Richard Tschernia and CrossCountry recognize that not all needs look exactly the same. To this end, they tailor each plan to the specific buyer, helping all of America’s heroes to ensure they can find affordable housing that they can truly call home.
Conclusion
Veterans, law enforcement, medics, and other first responders deal with enough stress already, as do the families who love and support them. They shouldn’t suffer additional stress when trying to find a place to call home. Under Richard Tschernia’s charitable guidance, CrossCountry Mortgage can help. Those in need should call 407-869-8830 for further information and assistance at their earliest convenience.
