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881 Dover Drive, Suite 110 Newport Beach, CA 92663 Mobile (310) 447-1120 Tel (424) 236-7885 [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
Jason Hecht
- SVP of Mortgage Lending
- Newport Beach, CA Mortgage Loan Officer
- NMLS #268384
I’ll be with you every step of the way
A 25-year veteran of the mortgage industry, I take a strategic approach rather than a tactical one, helping many clients achieve their financial goals through solid planning. Working alongside other members of my clients’ real estate and financial teams ensures their needs are being served today, tomorrow and for years to come.
I understand each mortgage and each borrower is unique. You may have several rental properties and a complex estate plan in place. Perhaps you’re a first-time homebuyer looking for someone to comfortably guide you through the ins and outs of the real estate process. Maybe you’re an entertainer or entrepreneur with multiple entities and unique privacy concerns.
My consideration for you doesn’t end after finding you a mortgage. Even years after closing, I’m here to answer your questions and ensure your needs are met in the future as well. This is why I’m consistently a top 1% loan originator recognized by Mortgage Executive and Scotsman Guide. I look forward to helping you with your home financing goals.
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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.