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8913 Mid Cities Blvd, Suite 300, Unit E and F North Richland Hills, TX 76182 Mobile (817) 721-6067 Tel (817) 210-6642 [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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- Conventional Loan
- FHA Loan
- Jumbo Loan
- Purchase
- VA Loan
Joe New
- Regional Vice President
- North Richland Hills, TX Mortgage Loan Officer
- NMLS #288822
I’ll be with you every step of the way
Hi, I’m Joe. I’ve worked in the mortgage industry for 20 years, spending the last 15 as a regional VP/branch manager, putting smiles on homebuyers’ faces as they achieve their dream of homeownership. My team serves hundreds of clients a year, helping them make beneficial long and short-term financial decisions regarding their housing needs. That starts with explaining each step of the process, providing expert advice on your mortgage options, and being available to guide you every step of the way.
Whether you need a conventional or jumbo loan, FHA or VA, we’ll find the product to make your dreams a reality. I invest in educating my team to understand homebuying from all sides—borrowers, real estate agents, and builders—to make transactions smooth and hassle-free. As part of America’s #1 Retail Mortgage Lender in North Richland Hills, TX, my team and I are here to answer your questions and help you get started on your new home journey.
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Guides and resources
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
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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.