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625 Ponder Place Drive, Unit 1 Evans, GA 30809 Mobile (706) 910-2549 Tel (839) 205-2108 [email protected]
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- monday: 7:00AM – 5:00PM
- tuesday: 7:00AM – 5:00PM
- wednesday: 7:00AM – 5:00PM
- thursday: 7:00AM – 5:00PM
- friday: 7:00AM – 5:00PM
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- Down Payment Assistance
- First-Time Homebuyers
- Purchase
- Refinance
- VA Loan
Vanessa Hays
- Loan Officer
- Evans, GA Mortgage Loan Officer
- NMLS #2369935
I’ll be with you every step of the way
Hi, I’m Vanessa, a loan officer with over 17 years of experience in the finance industry. I hold a bachelor’s in accounting and finance and a Master of Business Administration. I’ve used my skills from years of education and experience in finance to shape myself into the diligent and hardworking mortgage professional I am today.
As a Military Spouse of 18 years, I hold the communities I’ve lived in close to heart. Currently, my family and I are stationed at Fort Eisenhower in Augusta, Georgia. I’m a mom of four and enjoy that my career allows me flexibility with my family as well as the ability to achieve my biggest passion—helping others. With my background and dedication, I’m here to assist you on your home financing journey with America’s #1 Retail Mortgage Lender.
Vanessa’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.