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140 S Beach St., Suite 101 Daytona Beach, FL 32114 Mobile (407) 399-3003 Tel (407) 278-4845 [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
Judy Lewis
- Branch Manager
- Daytona Beach, FL Mortgage Loan Officer
- NMLS #242136
I’ll be with you every step of the way
Hi, I’m Judy, and with over 40 years in home financing, my knowledge of mortgage programs and guidelines is at the top of the industry. I’m known for being very thorough and coming up with creative financing structures for buyers that suit their needs here in Daytona Beach, FL. Whether you’re a first-time homebuyer, refinancing, or purchasing an investment property, I’m here to help guide you through the process.
My experience and focus on providing excellent customer service sets me apart from my competitors. From pre-approval to closing and into the future, know I’ll always answer your questions and make sure your home loan continues to meet your changing circumstances. Working with America’s #1 Retail Mortgage Lender, I’m committed to making your home financing experience as smooth and stress-free as possible. I look forward to being part of your home financing journey.
Judy’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.