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- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Jeffrey Smith
I’ll be with you every step of the way
Hi, I’m Jeff Smith, and with over 20 years in the mortgage and real estate finance industry, I’m committed to helping my clients make informed decisions about their mortgage options. At our Larkspur, CA branch of America’s #1 Retail Mortgage Lender, I start by understanding your financial goals and ensure the mortgage choices you make align with your broader objectives.
Whether you’re buying or refinancing, I’ll help you navigate important questions like the impact of your mortgage on your personal balance sheet or your long-term financial plans. With an MBA from UC Berkeley’s Haas School of Business and experience as a Registered Investment Advisor, I provide expertise that goes beyond just finding a mortgage—I help you reach your financial goals.
I’m proud to be part of a team consistently ranked among the top mortgage originators in the U.S., and I look forward to guiding you every step of the way.
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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.