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555 North Point Center E, 4th Floor, Office 455 Alpharetta, GA 30022 Mobile (404) 997-9711 [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
Julia Head
- Senior Loan Officer
- Alpharetta, GA Mortgage Loan Officer
- NMLS #1997701
I’ll be with you every step of the way
Hi, I’m Julia. I’m dedicated to delivering excellent customer service as your advocate throughout the loan process at our Alpharetta, GA branch of America’s #1 Retail Mortgage Lender. I have over a decade of experience and knowledge in the mortgage and financial industries. I’ve closed loans using traditional home financing options and non-qualified mortgages to help borrowers who couldn’t have qualified otherwise finance their dream home. Whatever your circumstances or goals, you can feel confident in getting it done when you partner with me.
I believe a positive customer experience is paramount to success not only for myself but for you and your agent. That’s why I lead by example and have a results-oriented attitude. My experience, combined with CrossCountry Mortgage’s resources and array of mortgage products, will help you feel at ease throughout your homeownership journey. I look forward to working with you every step of the way home.
Julia’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.