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37 East 100 North, Suite 101 Heber City, UT 84032 Mobile (858) 735-0255 Tel (858) 257-2832 [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
Rodrigo Ballon
- Originating Branch Manager
- Heber City, UT Mortgage Loan Officer
- NMLS #272011
I’ll be with you every step of the way
Hi, I’m Rodrigo, and in over 15 years in the mortgage industry, I’ve helped more than 4,500 families achieve the best home financing for their specific goals. If you’re surprised to hear home loans aren’t one-size-fits-all, you’ve come to the right person for your mortgage in Heber City, UT.
I learned early in my career to listen to my clients. Before I recommend a home loan, I want to know about you. I need to understand your goals and use my knowledge and experience to offer you the mortgage that’s right for you and your family.
I’ve been recognized many times as a top loan originator, both nationally and locally. Most recently, I was named to the Scotsman Guide 2021 Top Originators list, a prestigious national honor. However, awards mean something more to me: they’re proof I’m doing the right thing for my clients.
If you want 24-hour dedication, attention to detail, a smooth loan process, and a commitment to closing your loan on time, you can find me at America’s #1 Retail Mortgage Lender.
Rodrigo’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
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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.