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205 S. Hoover Blvd., Suite 203 Tampa, FL 33609 Mobile (727) 742-7966 Tel (813) 345-4378 [email protected]
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- Conventional Loan
- FHA Loan
- Purchase
- Refinance
- VA Loan
Ryan Boyd
America’s #1 Retail Mortgage Lender
Hi, I’m Ryan, and I’m excited to help you with your purchase or refinance needs! I pride myself on being knowledgeable, honest, and dedicated to providing the highest level of communication, so you feel comfortable throughout the entire loan process. As part of the Tampa, FL branch, I’m committed to listening to your needs, educating you on your loan options, and delivering an experience that exceeds your expectations.
I’m proud to be part of the CrossCountry Mortgage team, a direct lender founded in 2003 and recognized on the *Inc. 5000* list of America’s fastest-growing private companies for four consecutive years. We handle everything in-house, including processing, underwriting, and funding, which allows us to close loans in an average of 21 to 28 days. As your single point of contact, I’ll ensure you’re always up to date on the status of your loan.
Whether you’re buying your first home, an investment property, or the luxury home of your dreams, I’m excited to help you achieve your home financing goals.
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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.