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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
Your Local CrossCountry Mortgage Loan Officer
Candace Cagle
- Loan Originator
- Houston, TX Mortgage Loan Officer
- NMLS # 878436
America’s #1 Retail Mortgage Lender
Hi, I’m Candace, a loan officer in Stafford, TX with over two decades of experience in the mortgage industry. I dedicate countless hours to ensuring my clients receive nothing but the best service available. Having witnessed the evolving market dynamics, I understand the shifting preferences of buyers. I stay abreast of new products, tailoring solutions for first-time homebuyers and navigating the intricacies of student loan debt and repayment guidelines. From conventional loans to FHA, DPA, VA, USDA, and the vast selection offered by America’s #1 Retail Mortgage Lender, we’ll make a plan to achieve your homeownership dreams.
Beyond my professional endeavors, I hold my faith and family in high regard. Coming from a large family of 32, I possess an intimate understanding of family dynamics, which I integrate into every client’s homebuying journey. I reside in Richmond with my husband and two beloved puppies, actively engaging in community volunteer work.
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.