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2018 Eastwood Road, Suites 313 & 315 Wilmington, NC 28403 Mobile (910) 232-0321 Tel (910) 552-1596 [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
Sebastian Hajek
- Originating Sales Manager
- Wilmington, NC Mortgage Loan Officer
- NMLS #2152339
I’ll be with you every step of the way
Hi, I’m Sebastian Hajek, a long-time loan officer based in Wilmington, North Carolina, proudly serving clients across all 50 states. I specialize in a wide variety of financing products, including conventional, FHA, VA, USDA, jumbo, renovation, and construction-to-permanent loans. My goal is to provide second-to-none service with around-the-clock availability, industry-leading turn times, and unparalleled customer support, powered by America’s #1 Retail Mortgage Lender.
I leverage my extensive network of real estate agents, insurance agents, home inspectors, attorneys and appraisers to offer clients reputable contacts throughout the homebuying process. Additionally, I hold a North Carolina Real Estate Commission license, giving me a unique and thorough understanding of both sides of the purchase process.
Whether you’re buying your first home, refinancing, or purchasing an investment property, I’m here to help. Call, text, or email me today for a personalized loan experience.
Sebastian’s testimonials
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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.