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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
Valerie Carey
- Mortgage Loan Advisor
- Las Vegas, NV Mortgage Loan Officer
- NMLS #373801
I’ll be with you every step of the way
Hi, I’m Valerie, and my experience in home financing is about 30 years deep. One constant in my career is the pleasure of working with people on something as important as homeownership. Whether you are a first-time homebuyer or an experienced property owner, I have the tools and expertise to guide you through the home loan process and make it as smooth as possible.
I’ll start by listening carefully to understand your goals and circumstances. If you’re a first-time homebuyer, I’ll walk you through each step of the loan process and resolve any questions you have. If this is not your first mortgage, we’ll discuss new products and how programs like conventional, jumbo, FHA, and VA have evolved to serve you. It’s my great satisfaction to build relationships with my clients that last beyond the first transaction.
Anytime you need mortgage services, opinions, or advice, know you are welcome to reach out to me at America’s #1 Retail Mortgage Lender, and I’ll be glad to hear from you.
Valerie’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.