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- monday: 8:00AM – 5:00PM
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- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Your Local CrossCountry Mortgage Loan Officer
Victor Bals
I’ll be with you every step of the way
Hello! My name is Vic. To get to know me, you have to know my wife, Maya. She is my rock, helping me recover from a stroke in 2017. She keeps me on track and keeps my focus on my health and family. She has been a stay-at-home mom since we were married 29 years ago. She has done the most difficult job in the world. Raising 3 children, all respectful of others, grateful for what they have and giving to others.
Maya always tells me. “If you say you are to do something, then do it. If you are not going to do something, then say nothing.” Wise words to live by. She also says, “Take care of the customer, and you will always have a customer.” I love her more than anything and will die at her side.
With America’s #1 Retail Mortgage Lender, I’m here to guide you through your loan options while my expert team ensures a smooth process. You may not hear from me daily, but your loan is in the best hands. If you have any questions, I’m always available. We appreciate the opportunity to serve you!
Victor’s testimonials
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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.