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2321 Rosecrans Avenue, Suite 1290 El Segundo, CA 90245 Mobile (386) 589-7437 Tel (310) 697-8630 [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
Vincent LeBica
- AVP of Mortgage Lending
- El Segundo, CA Mortgage Loan Officer
- NMLS #1958294
I’ll be with you every step of the way
Hi, I’m Vincent, and integrity is the foundation of my business. I believe the mortgage process is about building a strong relationship with you to help achieve your financing goals. I understand that every client’s situation is unique, and I’ll work closely with you to ensure you qualify for the loan program that best fits your needs.
Whether you’re a first-time homebuyer, a long-time homeowner, or buying an investment property, I offer a wide range of loan programs—including FHA, VA, conventional, and jumbo—to find the right loan for you.
My team and I are dedicated to delivering outstanding service and making the mortgage process as smooth as possible. As part of the El Segundo, CA team with America’s #1 Retail Mortgage Lender, I’m excited to guide you through every step of the home loan journey.
After living on the West Coast for the past decade, I love enjoying the outdoors, whether it’s surfing, golfing, or traveling with my wonderful wife.
Vincent’s testimonials
Guides and resources
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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.