How much does it cost to refinance?

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. Learn more

How much house can I afford?

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. Learn more

What is a good credit score?

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. Learn more

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. Learn more

How do I calculate mortgage payments?

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. Learn more

Your Local CrossCountry Mortgage Loan Officer

Samuel Martinez

Loan Officer
Orlando, FL Mortgage Loan Officer
NMLS # 2553732

Apply Now See What I Qualify For

America’s #1 Retail Mortgage Lender

Hello! My name is Samuel. I joined the mortgage industry in April 2024 to build an exciting career that aligns with my ambitions and goals. I’m very human in the way I work, leading with knowledge and feeling for others. As a dedicated member of our Orlando, FL branch, I’m proud to offer the exceptional service and support of America’s #1 Retail Mortgage Lender.

I understand buying a home isn’t just a financial decision. It’s an emotional journey. That’s why I’ll take time to listen, explain and walk with you through each step of the process.

Whether you’re buying, refinancing or accessing home equity, I offer a wide range of loans to meet your goals:

VA
FHA
Conventional
Non-Qualified Mortgages

o Bank Statement

o DSCR

o Foreign National

o ITIN

In my free time, I love experiencing new things, whether it’s diving into a new hobby or exploring something completely out of my routine.

See What I Qualify For

2025 Scotsman Guide Top Mortgage Lenders Award

2025 The Plain Dealer Top Workplaces Award

Guides and resources

How much will your mortgage payment be?

Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.

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.

A daughter hugging her mother while she is researching mortgage opportunities in their home.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

Get pre-approved for a purchase
Get pre-approved for a refinance
Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

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It’s your time to buy.

Homebuying is always in season. You may be thinking of a first home. Or it could be time for a vacation home or investment property. Start now with a pre-approval and you’ll be ready to buy when you see what you want. No matter the home, we’ve got the loan.

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