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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
Dylan Santos, MBA
- Loan Officer
- Scottsdale, AZ Mortgage Loan Officer
- NMLS #2047199
I’ll be with you every step of the way
Hi, I’m Dylan, and I have over eight years of sales experience and a passion for helping others. I’m a Canyon University alumnus and the first in my family to graduate college with a bachelor’s and master’s degree. As a bilingual (Spanish and English) loan officer at America’s #1 Retail Mortgage Lender, I’m motivated to help and share my knowledge with the Latino community and other minority groups on how to build wealth through homeownership. With my skillset, knowledge, and Scottsdale, AZ team, I want to make your home financing journey a smooth one.
To start, I’ll guide you through various products so you can find the one that meets your priorities. I offer a range of options, such as conventional, FHA, VA, and USDA loans. If you have questions, feel free to call or email me at any time. I’m always available to answer your questions. With me, it’s never a no – it’s either a yes or let’s set up a game plan to get you there.
Dylan’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.