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12639 W Explorer Drive, Suite 185 Boise, ID 83713 Mobile (208) 697-2333 Tel (208) 740-5130 [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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- Home Equity
- Purchase
- Refinance
Alla Stewart
I’ll be with you every step of the way
Hi, I’m Alla, and my passion is helping people achieve their homeownership goals. Since joining the mortgage industry in 2006, I’ve gained extensive experience in all phases of home financing, including originating conventional, VA, FHA, USDA, and Idaho Housing loans.
As a loan officer at our Meridian, ID branch of America’s #1 Retail Mortgage Lender, I have the expertise to help you open the doors to homeownership. What sets me apart is my deep connection to the Eastern European community. As a fluent Russian and Ukrainian speaker, I’ve proudly served Treasure Valley for over 19 years, building trust with a diverse client base.
I’m known for being a problem solver who brings integrity and hard work to meet my client’s needs. From our first conversation to closing, I look forward to providing those qualities and exploring all your financing options so you can be set for success.
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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.