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- monday: 8:00AM – 8:00PM
- tuesday: 8:00AM – 8:00PM
- wednesday: 8:00AM – 8:00PM
- thursday: 8:00AM – 8:00PM
- friday: 8:00AM – 8:00PM
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- Down Payment Assistance
- First-Time Homebuyers
- Investment Property
- Purchase
- Refinance
Julia Ruby
I’ll be with you every step of the way
Hi, I’m Julia, and after spending over 15 years in the mortgage business, I’ve learned everyone’s goals are different. When we work together, I’ll sit down with you and listen to understand your unique situation. I’ve helped many clients purchase or refinance their first, second, and third homes, plus investment properties and vacation destinations. No matter your homebuying path, I’ll guide you with a personalized process.
With everyone’s financial goals being so different, I take the time to get to know every client individually. That way, I can recommend the best mortgage solution for your goals and circumstances. My team and I have an extensive background with FHA, VA, USDA, conventional, jumbo, first-time homebuyer, and down payment assistance programs. Together, we’ll make a plan fit for you.
We go above and beyond to ensure 100% customer satisfaction because we care about everyone who walks through our doors. We’re excited to be part of your home financing journey at America’s #1 Retail Mortgage Lender.
Guides and resources
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.
Julia’s testimonials
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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.