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98 Inverness Drive East, Suite 370 Englewood, CO 80112 Mobile (720) 236-5897 Tel (303) 285-9993 [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
Apolo Sevilla
I’ll be with you every step of the way
Hi, I’m Apolo, and I bring over two decades of experience as a certified mortgage advisor and real estate investor. Fluent in both English and Spanish, I’m here to ensure smooth communication as I guide you through the mortgage process. My mission is to empower you with the knowledge and resources to make informed decisions in today’s ever-changing real estate market.
Whether you’re refinancing, buying a home, or exploring investment opportunities, my experience helps me tailor solutions to your needs. I’ve been closing home loans for over 20 years, and I’ve also been involved in fix-and-flip ventures for 15+ years. My role as a director for one of Mexico’s largest vacation rental and real estate development companies further strengthens my global market expertise.
When I’m not working, I enjoy spending time with my wife, our cat Luci, and exploring passions like cooking, hosting, and indulging in wine. I also love the performing arts, particularly opera.
Apolo’s testimonials
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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.