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7878 North 16th Street, Suite 255 Phoenix, AZ 85020 Mobile (602) 571-3790 Tel (480) 896-2338 [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
Santos Nolasco
- Mortgage Loan Officer
- Phoenix, AZ Mortgage Loan Officer
- NMLS #669548
I’ll be with you every step of the way
I’m Santos, a bilingual loan officer with more than 10 years of experience in the lending world. At our Phoenix, AZ branch of America’s #1 Retail Mortgage Lender, I pride myself on helping clients achieve their dreams, whether buying a first home, refinancing, or investing. Their needs always come first, and I’ll stop at nothing to get it done.
When you work with me, you’ll receive guidance throughout your home loan journey. I’ll start by discussing your specific circumstances to offer the best options for you. You’ll receive clear communication – in Spanish or English – and a detailed explanation of every available mortgage program. From conventional and jumbo to FHA and VA, we’ll find the one to achieve your goals.
From pre-approval to closing and beyond, I’ll make sure you know what’s happening with your mortgage and answer your questions. I look forward to providing you with the personalized loan experience and outstanding customer service you deserve.
Santos’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.