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600 Main Street, Suite C Pleasanton, CA 94566 Mobile (925) 525-1394 Tel (925) 905-8448 [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
Michael Silva
- Branch Manager | Mortgage Advisor
- Pleasanton, CA Mortgage Loan Officer
- NMLS #290794
I’ll be with you every step of the way
Hi, I’m Michael, and with over 21 years of experience as a mortgage professional, I’m dedicated to providing consistent, impeccable service to every family I work with. My clients value my commitment to keeping them informed throughout the loan process, as well as my efforts to update them on market conditions through annual reviews and monthly newsletters. These qualities, combined with my honesty and integrity, make me accessible both professionally and personally.
Whether you’re purchasing your first home, refinancing, or investing in a property, I offer a range of loan options tailored to your goals. I’m proud to help clients in Pleasanton, CA and beyond, providing the expertise you need to navigate the mortgage process with confidence.
With the support of America’s #1 Retail Mortgage Lender, I’m committed to making your home financing experience smooth and successful. Let’s work together to achieve your homeownership dreams!
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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.