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- Down Payment Assistance
- First-Time Homebuyers
- Purchase
- Refinance
- VA Loan
Raheam Oliver
The expert in down payment assistance
Hello! I’m Raheam, a proven loan officer named one of the Top 1% of Mortgage Originators in America in 2020 & 2021. I’m committed to guiding borrowers across generations to achieve their homeownership dreams. I serve as a strategic liaison, simplifying the path for all types of homebuyers.
When you work with me, I’ll meet you where you are. Whether you’re a first-time homebuyer, a savvy investor, or a homeowner looking to refinance, I’ll provide a path to reaching your goals. I specialize in a wide range of programs at America’s #1 Retail Mortgage Lender, including down payment assistance, conventional, construction, rehab, VA, FHA, USDA, multi-family and self-employed income financing solutions. From application to closing, I’ll ensure a great mortgage experience.
Seeing people win is more gratifying than any paycheck I’ve ever received. Someone has to stand in the economic gaps to ensure success is possible for all. I’m proud to do that. Together, let’s achieve your aspirations in real estate and financial security.
Raheam’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.