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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
Angela Meinecke
- Loan Officer
- Heath, TX Mortgage Loan Officer
- NMLS #195907
Your biggest decision is my biggest passion
Hello! I’m Angela Meinecke, a loan officer dedicated to serving my home of Heath, TX. My extensive mortgage experience has equipped me with a wealth of knowledge I eagerly share with my clients. My commitment to first-time homebuyers stems from my understanding of the challenges they face. I take great pride in guiding them through every step of the homebuying process with America’s #1 Retail Mortgage Lender.
I’m passionate about providing VA loans to Veterans, recognizing the importance of helping those who have served our country achieve their homeownership dreams. My personalized approach ensures that every client feels informed and empowered, making the often complex of obtaining a loan more manageable.
My dedication to educating homebuyers is evident in my teaching style. I’ll not only walk you through the application and paperwork but also ensure you fully understand each stage of the process – providing a satisfying, smooth transaction from start to finish.
Guides and resources
Should I buy a house or keep renting?
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
My social posts
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.