-
15851 N. Dallas Parkway, Suite 700 Addison, TX 75001 Mobile (469) 623-6677 Tel (214) 550-7267 [email protected]
-
- 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
-
- Purchase
- Refinance
Ron Toye
- Loan Officer
- Addison, TX Mortgage Loan Officer
I’ll be with you every step of the way
I’m Ron, part of The Ron Toye Team at America’s #1 Retail Mortgage Lender, based in our Addison, TX branch. Purchasing, refinancing, or renovating a home can be a complicated and intimidating process. Here at The Ron Toye Team, we begin by listening. We aim to understand your goals and priorities so we can offer home loan solutions that align with your current and long-term plans. We serve hundreds of families each year in their home investment journey. Whether you’re a first-time homebuyer or long-time homeowner, we’re dedicated to providing you with industry-leading customer service that you will rave about.
My mentor and branch manager, Andy Tuttle, imprinted this message on my heart and it inspires my dedication to every client and partner I serve: “What do we help people with? One of the biggest financial decisions of their lives! How do we treat them? Like family!” From application to closing and beyond, I’m honored to provide the outstanding experience my clients and partners deserve.
Ron’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.