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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
Robert Ripe
- Sales Supervisor/Inside Loan Originator
- Englewood, CO Mortgage Loan Officer
- NMLS #1520088
I’ll be with you every step of the way
Hi, I’m Robert, based in Englewood, CO. 1991 was the year I began my mortgage career journey. I met an acquaintance in the business, and it looked like an interesting and ever-changing field. Since then, I’ve been happy to meet people from all walks of life with different backgrounds and assist them in their homebuying journey. As a Colorado native, I can’t wait for you to see what this beautiful state has to offer.
As your loan officer, I’ll walk you through the wide selection of program options I offer, including conventional, jumbo, and non-qualified mortgages. You may have questions regarding your application or loan, and I’d be happy to answer them at any time of day. I pride myself on navigating the transaction from start to finish, and you can count on me to take care of you and all parties involved. As part of America’s #1 Retail Mortgage Lender, let’s seal the deal by getting you into the home of your dreams.
Robert’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.