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600 Main Street, Suite C Pleasanton, CA 94566 Mobile (909) 532-1846 Tel (916) 262-7988 [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
Miroslava Ramirez
- Sr. Loan Officer
- Pleasanton, CA Mortgage Loan Officer
- NMLS #2091727
I’ll be with you every step of the way
Hi, I’m Miroslava! My favorite book since I was young has been *The Richest Man in Babylon*. The theme of this old book is that you must do what you can with what you have. With consistency, you can persevere. That’s how I’ve always looked at wealth: do what you can with what you have, be consistent, and stay on course. I believe your home is one of the greatest wealth builders and a steppingstone to what’s next.
Allow me the privilege of helping you take the next step by finding the right home loan. We’ll discuss a variety of products, such as conventional, FHA, VA, USDA, and CCM’s Signature Series loans, to create a personalized financing plan. If purchasing a home feels far off, contact me to talk about your options and goals. Whether you’re purchasing your first home, your second home, or financing an investment property, I look forward to helping you build your steppingstones with America’s #1 Retail Mortgage Lender.
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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.