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11030 N. Kendall Drive, Unit 200 Miami, FL 33176 Mobile (305) 720-5359 Tel (305) 720-5359 [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
Javier Handal
I’ll be with you every step of the way
Hi, I’m Javier, and with over two decades of experience in loan origination and leadership, I bring a wealth of knowledge to the table. My expertise spans negotiating tactics, management skills, and banking, all of which I use to help my clients achieve their homeownership goals. As part of CCM’s Miami, FL branch, I’m proud to offer the resources of America’s #1 Retail Mortgage Lender to provide you with the best possible service.
Before my mortgage career, I proudly served in the U.S. Air Force, working in Telecommunications and playing a key role in Operation Southern Watch, Desert Thunder, and Desert Fox. I was honored with the Air Force Expeditionary Medal and Air Force Achievement Medal, experiences that deepened my commitment to my country, family, and community. When I’m not working or spending time with my family, I enjoy giving back through charity work and helping families in need. Let’s work together to make your homeownership dreams a reality!
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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.