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699 Hampshire Road, Suite 110 Westlake Village, CA 91361 Mobile (818) 448-3842 Tel (805) 387-7372 [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
Brian Farwell
I’ll be with you every step of the way
Hi, I’m Brian, branch manager of the Westlake Village, CA branch of America’s #1 Retail Mortgage Lender! My business is built on 3 Cs: Communication, Care, and Consistency. These core principles form the foundation of how I serve my clients.
Communication: This is a two-way process in which I listen to your financial goals and share my knowledge of mortgages. It continues throughout your loan process as we answer your questions and keep you up-to-date on your mortgage.
Care: I love helping my borrowers get a loan for a new home or build a financial strategy through a refinance. My team and I truly care about you and your success. We want you to have a smooth, stress-free mortgage process.
Consistency: I started in the mortgage industry in 2015, primarily overseeing my company’s processes to make them more efficient for our clients and referral partners. Since I know both the borrower and operations side, I can anticipate issues and resolve them before they cause delays.
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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.