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9130 Galleria Court, Suite 101 Naples, FL 34109 Mobile (239) 272-9456 Tel (239) 354-7332 [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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- First-Time Homebuyers
- Jumbo Loan
- Purchase
- Refinance
- VA Loan
William Hayden
I’m a Scotsman Guide Top Originator
Hi, I’m Will, and as an honorably discharged Veteran, I’m passionate about helping fellow Veterans with their VA loans and homeownership dreams. I offer over 20 years of business and real estate experience, along with a certificate in financial markets from Yale University. My background as a landlord and property developer, combined with my industry knowledge, allows me to align with each client’s larger financial goals.
When you work with me, I’ll take the time to understand your goals and priorities. From there, I’ll guide you through a variety of loan options, including conventional, jumbo, VA, FHA, and USDA loans, and ensure you feel confident throughout the process. Together, we’ll make your homeownership dreams a reality at the Naples, FL branch of America’s #1 Retail Mortgage Lender.
On a personal note, I grew up between Orange County, California, and Seattle, Washington. I enjoy surfing, skiing, and hiking with my family and friends.
William’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.