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1240 North Lakeview Avenue, Suite 170 Anaheim, CA 92807 Mobile (949) 919-5030 Tel (657) 657-7160 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Christian Mijes
America’s #1 Retail Mortgage Lender
Hi, my name is Christian, and I’m here to make your home loan process as smooth as possible. With years of experience and knowledge from multiple roles within the financial industry, I’ll ensure you get the right loan from America’s #1 Retail Mortgage Lender.
I’m a firm believer that integrity, excellent customer service, complex problem-solving tailored to my client’s goals and offering a wide suite of mortgage solutions create an ideal, long-term working relationship. From pre-approval to closing and beyond, I’ll walk you through your mortgage options and each step in the process to ensure a personalized home financing experience. I look forward to making your dream of homeownership a reality!
Off the clock, I like to keep up a healthy lifestyle that involves staying active and fit through outdoor activities and exploring all that Southern California has to offer.
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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.