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2270 Corporate Circle, Suite 120 Henderson, NV 89074 Mobile (615) 715-7245 Tel (702) 267-6000 [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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- Purchase
- Refinance
Coby Sherlock
- Producing Branch Leader
- Henderson, NV Mortgage Loan Officer
- NMLS #1868395
I’ll be with you every step of the way
Hi, I’m Coby, and my passion as a mortgage professional is helping families achieve the American dream of homeownership. Born in New Orleans, raised in Nashville, and now living in Las Vegas, I’ve always been driven to give back to the communities I’ve called home. Through local government, service organizations, and community outreach, I’ve worked to create opportunities for others to reach their goals. Today, I’m proud to own Living Large Las Vegas and serve as a board member for Pinecrest Academy of Nevada Charter Schools.
With a deep passion for education, I’m here to help you make informed home financing decisions. I offer a variety of loan products, including conventional, FHA, VA, and USDA loans, to help you secure the home of your dreams. From our first meeting to the day you sign the last document, I’ll be by your side to answer your questions and ensure a smooth process.
I look forward to assisting you on your journey home with the Henderson, NV team at America’s #1 Retail Mortgage Lender!
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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.