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37 S Wenatchee Ave., Suite F313 Wenatchee, WA 98801 Mobile (509) 885-0982 Tel (206) 649-2565 [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
Rigo Montes
- Outside Loan Originator
- Wenatchee, WA Mortgage Loan Officer
- NMLS #2280664
I’ll be with you every step of the way
Hi, I’m Rigo Montes, and I’m here to make your homeownership journey as exciting as it should be. Stepping into the mortgage industry in 2022 wasn’t just a career move for me; it was a passion project fueled by my love for real estate investing. To me, buying a home isn’t just about finding four walls and a roof—it’s about making a smart investment in your future.
What makes my service stand out? It’s simple: I’m here to help you win. As a member of our Wenatchee, WA team, I’m proud to offer the expertise and resources of America’s #1 Retail Mortgage Lender. I’m on a mission to educate and empower our community, helping homebuyers see the big picture and turn their home into a valuable asset. Whether it’s guiding you toward equity gain or maximizing cash flow, I’m all about setting you up for long-term success.
If you’re interested in discovering how owning a home can be such a valuable asset, I’m here to help. I look forward to building our relationship and showing you the path to homeownership, one milestone at a time.
Rigo’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.