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  • 3190 South John Young Parkway Kissimmee, FL 34746 Mobile (321) 438-8922 Tel (321) 282-3324 [email protected]
    • 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
    • Purchase
    • Refinance
Your Local CrossCountry Mortgage Loan Officer

Luis Lorenzana

  • Regional Manager
  • Kissimmee, FL Mortgage Loan Officer
  • NMLS #1573971

I’ll be with you every step of the way

Hi, I’m Luis, a U.S. Navy Veteran with over 18 years of mortgage experience. My passion is helping civilians, Veterans, and Service Members finance the home of their dreams. I believe assisting clients in achieving their homeownership goals is another way to serve my country. Throughout my career, I’ve held many positions, from loan processor to senior vice president, and now as a regional manager.

As part of America’s #1 Retail Mortgage Lender, I offer strategic solutions tailored to your unique circumstances. Whether this is your first home, your next home, or a refinance, we’ll start by discussing your goals to find the product that fits your future. I offer a wide range of loans, from conventional and VA to FHA and USDA. Together, we’ll develop a mortgage plan just for you. From application to closing and beyond, I look forward to assisting you on your home financing journey.

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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.

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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. 

I’d love to hear from you.

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