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4100 South Sherwood Forest Blvd., 101A Baton Rouge, LA 70816 Mobile (225) 368-6981 Tel (225) 296-9921 [email protected]
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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
Brittany Werling
- Sales Manager
- Baton Rouge, LA Mortgage Loan Officer
- NMLS #2031177
I’ll be with you every step of the way
Hi! My name is Brittany Werling, and I’m a mama to four sweet babies and married to my high school sweetheart. This dynamic gives me a unique perspective on the needs of families and different paths to homeownership. Life can be crazy and hectic at times—but financing your dream home doesn’t have to be.
When we start your journey, I’ll listen carefully to understand your goals and circumstances. If you’re a first-time homebuyer, I’ll walk you through each step of the loan process and answer all your questions. If this is not your first mortgage, we’ll discuss new products and how staple programs like conventional, jumbo, FHA, and VA can help you reach your goals. Whether you’re ready to apply or want to discuss the possibilities, I’m excited to answer your call and help you take that first step forward.
Let’s work together so you can experience the magic of home with America’s #1 Retail Mortgage Lender! On a fun note, I’m an extreme Disney lover, an avid camper (glamper), and love all pets.
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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.
Inspiration for your home loan journey
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.