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37 East 100 North, Suite 101 Heber City, UT 84032 Mobile (858) 757-4441 Tel (619) 430-2665 [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
John Heffron
- Loan Officer, Mortgage Expert
- Heber City, UT Mortgage Loan Officer
- NMLS #1542713
I’ll be with you every step of the way
Hi, I’m John, and as someone on the front lines of homebuying in Heber City, UT, I’m committed to making the mortgage process as simple and transparent as possible. I’ve been a buyer and seller in over five states, giving me a full understanding of the impact each home loan can have, especially when it comes to long-term financial decisions.
Whether you’re buying your first home, next home, or an investment property, I’ll offer you a variety of loan programs to fit your goals. From conventional and jumbo to FHA and VA, I’ll explain each product’s specifics and tailor the mortgage experience to fit your needs. I’m backed by America’s #1 Retail Mortgage Lender, so you can trust that your financing is in the best hands.
On a personal note, I’m a dedicated family man, raised with five siblings in Indiana. After 22 years in New York City, my wife Karin and I packed up, headed to San Diego, and never looked back. Just don’t ask who my favorite baseball team is!
John’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.