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881 Dover Drive, Suite 110 Newport Beach, CA 92663 Mobile (904) 309-3782 Tel (949) 516-0616 [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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- Conventional Loan
- FHA Loan
- First-Time Homebuyers
- Investment Property
- VA Loan
Heather Hayes
- Loan Consultant/Advisor
- Newport Beach, CA Mortgage Loan Officer
- NMLS #1541645
Your biggest decision is my biggest passion
Hi, I’m Heather, and no matter if this is your first mortgage or ninth, you are my priority. I have a servant’s heart and strive to assist my clients with compassion and integrity. My passion for helping others means I’ll go above and beyond to help you achieve your goals. That starts with taking the time to walk you through each step of the process and answering your questions.
As a loan officer at our Newport Beach, CA branch of America’s #1 Retail Mortgage Lender, I offer a variety of loan programs to fit your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit your needs. Together, we’ll make a mortgage plan to achieve your current homeownership goals and meet your financial needs for years to come.
When I think about what defines me, three things come to mind: I’m a wife, mother of two, and bonus mom of four! Family comes first to me, and I understand how important family is to my clients, too. I can’t wait to help you secure the perfect home for you and yours.
Heather’s testimonials
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Calculate how much you can save if you refinance your mortgage
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.