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- monday: 8:30AM – 5:00PM
- tuesday: 8:30AM – 5:00PM
- wednesday: 8:30AM – 5:00PM
- thursday: 8:30AM – 5:00PM
- friday: 8:30AM – 5:00PM
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- Down Payment Assistance
- FHA Loan
- First-Time Homebuyers
- Non-QM Loans
- VA Loan
Juan Agustin Fleitas
I’ll be with you every step of the way
Hi, I’m Juan, an established loan officer in Berwyn, IL, whose clients feel comfortable coming back to me for answers and advice. When you choose me and my team at America’s #1 Retail Mortgage Lender, your intentions will be met with a listening ear and a comprehensive understanding of your specific circumstances. I offer a wide range of loan programs, from conventional and jumbo to FHA and VA. My goal is to advise you about your home financing options and educate you about the loan process from start to finish.
There are several keys to my success. The first is making a lasting impression. I take immense pride when previous customers call me for advice years after we worked together, knowing they thought of me as the one to have their right answer. Additionally, I know how to structure complicated transactions, I care about my clients, and I provide each of them with a complete game plan so we can map out the future.
Whether you’re ready to apply or have questions, I look forward to dedicating my time to helping you.
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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.
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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.