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1981 N Broadway, Ste 275 Walnut Creek, CA 94596 Mobile (925) 699-8007 Tel (747) 297-5057 [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
Danielle Ramos
I’ll be with you every step of the way
Hi, I’m Danielle. My husband and I purchased our first home in 2003 and have enjoyed success in the real estate industry. We were fortunate to convert our first two primary homes into investment opportunities. In 2012, we bought our dream home, settled into a fantastic community in San Joaquin County, and welcomed our second son.
I started my mortgage career in 2001 as a loan processor. Since 2003, I’ve been a licensed advisor in Livermore, CA, working with homebuyers. I recognize that no client is ever the same and provide personalized service to each person as if they were my only client. From application to closing and beyond, you have my unwavering support.
Whether you’re buying your first home, next home, or an investment property, it starts with understanding your goals. We’ll discuss your story and a range of products, including conventional, FHA, VA, and USDA loans, to develop a personalized financing plan with America’s #1 Retail Mortgage Lender.
Danielle’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.