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6255 E 26th Street, Suite E Yuma, AZ 85365 Mobile (928) 919-1221 Tel (520) 462-5898 [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
Tera Greene
- Sr. Loan Officer
- Yuma, AZ Mortgage Loan Officer
- NMLS #304548
I’ll be with you every step of the way
Hi, I’m Tera. With over 30 years of experience, I’ve assisted homebuyers in achieving the American dream of homeownership. I have a diverse background working with all types of mortgages and clients. Whether you’re a first-time or seasoned homebuyer, I’m here to assist in your journey of homeownership in Yuma, AZ.
Throughout the years, I’ve helped people in almost every situation obtain financing with conventional, VA, FHA, USDA, construction, down payment assistance, HELOC, and second mortgage loans. I stay well-informed on current trends and offer insight into the various features and benefits of today’s products. Drawing from my experience, I understand each client’s goals and financial needs, finding the right program to fit their unique circumstances.
Being a Yuma native, I offer a deep understanding of the Arizona market, especially Yuma County. I’m also able to assist with financing goals in California. I look forward to providing a personalized mortgage experience with America’s #1 Retail Mortgage Lender.
Tera’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.