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- monday: 7:00AM – 7:00PM
- tuesday: 7:00AM – 7:00PM
- wednesday: 7:00AM – 7:00PM
- thursday: 7:00AM – 7:00PM
- friday: 7:00AM – 7:00PM
- saturday: 7:00AM – 7:00PM
- sunday: 7:00AM – 7:00PM
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- FHA Loan
- Home Equity
- Jumbo Loan
- Purchase
- VA Loan
Carl Stephens
I’ll be with you every step of the way
Carl Stephens is a seasoned mortgage professional with over eight years of experience, proudly serving families in Austin, TX, and beyond. His passion lies in guiding first-time homebuyers, veterans, and those needing credit repair, helping them navigate the homebuying process with confidence and ease. Having grown up in Austin, Carl has deep roots in the community and loves giving back to the people of his hometown.
Carl and his team are dedicated to providing exceptional service by ensuring prompt communication and being fully available to meet their clients’ needs. Whether it’s answering questions or addressing concerns, Carl strives to make the mortgage process smooth and stress-free, treating each client with the care and attention they deserve.
Outside of work, Carl enjoys life with his beautiful wife Laura and their three beloved dogs: two Corgis, Willow and Windsor, and a poodle-mix, Travis. His dedication to both his family and his clients makes him a trusted and compassionate partner in the mortgage journey.
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.
Carl’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.