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3033 Horizon Ridge, #110 Henderson, NV 89052 Mobile (702) 296-0937 Tel (385) 308-2107 [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
Lori Johnson
- Sr. Loan Officer
- Henderson, NV Mortgage Loan Officer
- NMLS #368394
I’ll be with you every step of the way
Hi, I’m Lori, and I’ve lived in Mesquite, Nevada, since 1995. I love the beauty of Southern Nevada and Utah, and my job is special because it allows me to help people make these communities their homes. For over three decades, I’ve built my business on treating clients how I would expect to be treated if I were getting a loan myself. Living in a small town, I take these relationships seriously and strive to earn your trust, support, and friendship.
As part of America’s #1 Retail Mortgage Lender, I’ll give 110% to what’s most important to you. I’m committed to providing high-quality service that continues even after closing. I’ll listen to your goals, offer options to achieve them, walk you through the process, and provide education about every aspect of home financing. We’ll do everything together. Outside of work, I’m a dedicated family person, marathon runner, and community volunteer with a long history of service.
Lori’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.