-
- monday: 8:00AM – 8:00PM
- tuesday: 8:00AM – 8:00PM
- wednesday: 8:00AM – 8:00PM
- thursday: 8:00AM – 8:00PM
- friday: 8:00AM – 8:00PM
- saturday: 8:00AM – 8:00PM
- sunday: 8:00AM – 8:00PM
-
- First-Time Homebuyers
- Investment Property
- Purchase
- Refinance
Luis De La Cruz Munoz
- Senior Loan Officer
- Delray Beach, FL Mortgage Loan Officer
- NMLS #1575578
I’ll be with you every step of the way
Hi, I’m Luis, and I’m here to make home financing simple.
Growing up in South Florida, I saw firsthand how diverse and dynamic this community is. It’s a blend of cultures, backgrounds and dreams – from investors and self-employed entrepreneurs to first-time and international buyers making Miami their home.
But one thing is constant: Real estate moves fast here, and having the right partner makes all the difference.
✅ Navigating condo lending? I’ll help you avoid financing pitfalls.
✅ Self-employed with complex income? I have alternative loan options.
✅ Looking to invest with minimal out-of-pocket costs? I’ll show you creative strategies.
With America’s #1 Retail Mortgage Lender, I’m committed to fast, efficient service that makes every mortgage feel like a win. Plus, I work on real estate hours, not banker’s hours – I’m available 7 days a week and always responsive.
If you’re ready to explore financing options, let’s connect. Call or text me anytime!
Luis’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.