-
318 Palmetto Street New Smyrna Beach, FL 32168 Mobile (614) 477-9110 Tel (614) 477-9110 [email protected]
-
- 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
-
- Purchase
- Refinance
Lori Young
- Originating Branch Manager
- New Smyrna Beach, FL Mortgage Loan Officer
- NMLS #796015
I’ll be with you every step of the way
Hi, I’m Lori, and one of the greatest joys of my job is meeting new clients and being part of such a significant milestone in their lives! I love seeing families grow, dreams achieved, and fun times had through the purchase of vacation properties and more. For me, it’s all about building lasting relationships and helping families find the perfect homes for their unique needs, whether they’re buying their first home or a second home.
I bring a fun, energetic, and full-of-life approach to my work, always making sure my clients feel supported and informed at every step of the way. I strive to provide personalized service, ensuring that the loan solutions we find together are the perfect fit for your goals. Working with America’s #1 Retail Mortgage Lender here in New Smyrna Beach, FL, I’m confident that we can find the ideal loan solution for you. I look forward to helping you achieve your homeownership dreams and making the experience as exciting and seamless as possible!
Lori’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.