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2729 West Fairbanks Avenue Winter Park, FL 32789 Mobile (407) 230-6599 Tel (407) 869-8830 [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
Bruce Woodburn
I’ll be with you every step of the way
Hi, I’m Bruce Woodburn, and I’ve been helping clients achieve their homeownership dreams for over 20 years. Voted as the Top 1% Mortgage Lender in Central Florida for four consecutive years by *Orlando Magazine* & *Five Star Awards* (2010-2013), I’m proud to have also achieved Triple Crown status for three years in a row, ranking #1 in annual loan volume, loans funded, and purchase transactions from 2013 to 2015.
In early 2017, my team and I transitioned to CrossCountry Mortgage in Winter Park, FL, now America’s #1 Retail Mortgage Lender, in our ongoing effort to provide the best products and services to our clients.
Communication is key to success in any mortgage transaction, and my team excels at keeping clients informed every step of the way. You can expect regular loan updates every Tuesday, along with notifications at every stage of the loan process. Our goal is to ensure you fully understand your home financing options and feel confident throughout the entire process.
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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.