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- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
- saturday: 10:00AM – 7:30PM
- sunday: 11:00AM – 5:00PM
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- Conventional Loan
- Jumbo Loan
- Purchase
- Refinance
- VA Loan
Derrick Polder
I’ll be with you every step of the way
Hi, I’m Derrick. My mortgage career began in 2006 after a successful career in customer service at AOL/Time Warner. As a Fortune 500 Top Sales Manager, I learned the ingredients needed to achieve results. Now, I head up The Polder Group at America’s #1 Retail Mortgage Lender, along with our Tucson branch at Broadway.
I’m devoted to helping my clients reach their goals by providing the best products, terms, and customer experience. This commitment has earned industry recognition. The Polder Group has helped thousands of families, funding over a billion dollars toward homeownership in Tucson. We’ve consistently ranked among the top loan officers in Arizona and nationally in the top 1% of my peers.
Born in Athens, Greece, to a military family and raised in Tucson, I’m passionate about Arizona’s beauty. When I’m not working, I enjoy spending time with family, participating in sports, and traveling. Supporting local ventures like Prep & Pastry and organizations such as Tucson’s Boys and Girls Clubs is a priority for me.
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.
Derrick’s testimonials
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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.