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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
Jenny Schippers
- Loan Officer
- Cypress, CA Mortgage Loan Officer
- NMLS #252146
I’ll be with you every step of the way
Hi, I’m Jenny, and I’ve worked in the ever-changing mortgage industry for 25 years, assisting clients through every aspect of the loan process. Buying a home is one of the most fulfilling and rewarding investments you’ll ever make. That’s why I make home financing a fun and positive experience. The day you get the keys to your dream home is one you’ll remember forever!
Why compromise such a wonderful moment with the frustrations of doing it alone? When you work with me, you’re in excellent hands. With my knowledge and expertise, I’ll help you navigate the world of home financing. Whether you need a conventional, FHA, VA, or USDA loan, we’ll discuss your goals and find the mortgage that feels like a win. Backed by the expertise of America’s #1 Retail Mortgage Lender, I ensure that purchasing or refinancing a home is as simple as possible, so you can relax every step of the way as I guide you from our Cypress, CA branch.
Jenny’s testimonials
Guides and resources
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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.