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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
Your Local CrossCountry Mortgage Loan Officer
Ivan Reyes
- Vice President of Lending
- Orlando, FL Mortgage Loan Officer
- NMLS # 1693678
America’s #1 Retail Mortgage Lender
Hello! My name is Ivan. I’ve built a successful career marked by a passion for technology and a foundation in hospitality, which has shaped my customer-centric approach and enhanced my ability to deliver exceptional customer service. As a senior loan officer at America’s #1 Retail Mortgage Lender, I’m able to understand and meet clients’ goals effectively, ensuring a seamless experience.
I bring over a decade of experience in the financial industry, dedicating the past eight years to mortgages. I leverage my industry knowledge and leadership skills to drive growth and innovation. My role involves overseeing financial operations and guiding clients through the intricacies of mortgage processes with personalized care.
My enthusiasm for technology also keeps me at the forefront of industry advancements, allowing me to implement cutting-edge solutions that benefit both the bank and its clients. I continue to seek ways to integrate them into my work to improve efficiency and satisfaction.
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.
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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.