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1177 Magnolia Avenue, Suite 1 Larkspur, CA 94939 Mobile (415) 518-1985 Tel (415) 464-1374 [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
Timothy Wood
- Senior Loan Advisor
- Larkspur, CA Mortgage Loan Officer
- NMLS #319539
I’ll be with you every step of the way
Hi, I’m Tim Wood, and with over 25 years of experience as a residential lender, I bring expertise and dedication to every loan transaction. At our Larkspur, CA branch, part of America’s #1 Retail Mortgage Lender, I navigate complex financial situations with honesty, a strong work ethic, and unmatched knowledge of residential mortgage finance.
My reputation as a problem solver and top loan originator comes from consistently providing clients with exclusive loan programs, same-day purchase approvals, and personalized service. I pride myself on being available day and night to answer questions and conduct business according to the highest ethical standards.
As a fifth-generation Californian, I live in Ross with my wife, son, and twin daughters. I look forward to helping you achieve your home financing goals with the confidence and support you deserve.
Timothy’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.