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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Alex Huggins
- Loan Officer
- Lexington, SC Mortgage Loan Officer
- NMLS #1124243
America’s #1 Retail Mortgage Lender
Hello! My name is Alex. I was in management in the branch banking world from 2003 to 2016, when I began referring a lot of business to mortgage lenders and developing relationships with referral partners. I was a top performer at my previous company, winning Mortgage Lender of the Year for the Building Industry Association of the Midlands in 2021. I’m also a board member of the Lexington Chamber of Commerce.
I love having the opportunity to educate, advise and guide clients through home financing. Whether it’s buying their first home, building a new one, stepping up or down, purchasing a second home or an investment property, my joy comes from helping people reach their goals.
Whatever your stage of life, education is the key to home financing. I offer a wide range of loans at America’s #1 Retail Mortgage Lender, including conventional, jumbo, home equity, VA, FHA and DSCR programs. Together, we’ll explore your options and find the one to achieve your homeownership dreams.
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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.