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12639 W Explorer Drive, Suite 185 Boise, ID 83713 Mobile (208) 308-4875 Tel (208) 271-5898 [email protected]
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- FHA Loan
- Purchase
- Refinance
- Reverse Mortgage
- VA Loan
Sheri Roberson
- Senior Loan Officer
- Boise, ID Mortgage Loan Officer
- NMLS #1554203
I’ll be with you every step of the way
Hi, I’m Sheri, and my passion is helping people achieve homeownership. I love being a financial advisor, assisting homeowners in creating wealth through equity since 2004.
As part of our Meridian, ID branch at America’s #1 Retail Mortgage Lender, I specialize in many mortgage programs, including Idaho Housing and Finance Association programs, VA, FHA, conventional, jumbo, non-qualified mortgages, and reverse mortgages. Together, we’ll discuss your homeownership dreams and financial circumstances to make a plan that fits you.
On a personal note, I’ve called Idaho home since 1983. I’m a mom to three incredible boys and a wife to an amazing husband. We spend our time at athletic and school events, camping, fishing, and traveling. We’re also crazy about the Boise State Broncos. Ready to get started? Let’s take the first step in your home financing journey today.
Guides and resources
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.
Sheri’s testimonials
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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.