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31351 Rancho Viejo Road, Suite 204 & 205 San Juan Capistrano, CA 92675 Mobile (949) 981-2017 Tel (949) 242-0751 [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
Joseph LaTorre II
- Loan Originator
- San Juan Capistrano, CA Mortgage Loan Officer
- NMLS #1015189
I’ll be with you every step of the way
Hi, I’m Joseph. I began my career as a personal banker before transitioning to loan origination in 2003. Over the years, I’ve mastered loan program guidelines and pride myself on offering the best advice for your mortgage needs. I take an educational-consultative approach, ensuring you’re informed at every stage of the loan process. I specialize in various purchase loans and have a strong focus on VA loans, which make up about 30% of my business.
At our San Juan Capistrano, CA branch, I’m able to offer clients access to a wide range of loan programs and top-tier service. Backed by America’s #1 Retail Mortgage Lender, I’m committed to delivering a smooth and successful mortgage experience. Because at the end of the day, your satisfaction is the measure of my success.
In my spare time, I enjoy spending time with my wife and pets. I grew up in Naperville, played varsity hockey at Naperville Central, and graduated from Lake Forest College in the top 10% of my class.
Joseph’s testimonials
Guides and resources
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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.