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12639 W Explorer Drive, Suite 185 Boise, ID 83713 Mobile (208) 481-0042 Tel (208) 694-0147 [email protected]
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- monday: 5:00AM – 8:00PM
- tuesday: 5:00AM – 8:00PM
- wednesday: 5:00AM – 8:00PM
- thursday: 5:00AM – 8:00PM
- friday: 5:00AM – 8:00PM
- saturday: 10:00AM – 2:00PM
- sunday: 10:00AM – 2:00PM
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- First-Time Homebuyers
- Investment Property
- Purchase
- Refinance
Emilee Suzanne Baine
Dedicated to getting it done
Hi, my name is Emilee, and I’m here to help you unlock the doors to your dream home! Born and raised in Idaho, I’ve been a dedicated mortgage loan officer since 2004. Now, with over 20 years of experience, I’ve had the privilege of helping countless families achieve their dream of homeownership.
As part of our Meridian, ID team at America’s #1 Retail Mortgage Lender, my deep roots in Idaho have given me a strong connection to the community. I’m committed to providing personalized service to each of my clients. Whether you’re a first-time homebuyer, opening a new chapter in life, or looking to refinance, I’ll be with you every step of the way, offering dedicated guidance and support.
Outside of work, I love spending quality time with my family, gardening, camping, and tackling home remodel projects. These activities keep me connected to the values of home and family that I love. Ready to get started? Let’s make your homeownership dreams come true!
Emilee Suzanne’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.