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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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- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
- VA Loan
Brad Watts
- Mortgage Loan Originator
- Virginia Beach, VA Mortgage Loan Officer
- NMLS #2491297
Dedicated to getting it done
Hi, I’m Brad, an accomplished loan officer based in Hampton Roads, Virginia. With a diverse background in law enforcement with the Virginia Beach Police Department and a successful mortgage career, I offer my clients a unique set of skills and experiences. I understand the importance of trust and integrity in home financing and stop at nothing to give every person who works with me my very best.
As part of America’s #1 Retail Mortgage Lender, I’m dedicated to providing personalized assistance to ensure your home financing goals are met. Whether you’re buying your first home, investing in real estate, building your dream home, or seeking to refinance, I’ll walk you through a range of options, including conventional, FHA, VA, one-time-close construction, and CCM’s Signature Expanded Investor Cash Flow loans. Together, we’ll find the one that makes your mortgage feel like a win.
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.
Brad’s testimonials
Inspiration for your home loan journey
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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.