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4509 Creedmoor Road, Suite 504 Raleigh, NC 27612 Mobile (919) 699-3223 Tel (919) 439-6335 [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
Breandrea Hayes
- Loan Officer
- Raleigh, NC Mortgage Loan Officer
- NMLS #737765
I’ll be with you every step of the way
Hi, I’m Breandrea, and I bring over 20 years of financial services experience to home financing. I started out in banking, working as a premier banker, branch manager, and financial advisor. My sweet spot has always been building rapport with clients by getting to know their personal needs. I love making friends with every borrower I meet.
When you come to me for a home loan, I’ll ask the right questions to understand your goals and priorities. We’ll discuss a variety of loan programs—from conventional and jumbo to FHA and VA—to develop a mortgage plan just for you.
From our first conversation to closing and beyond, I’ll always be here to answer your questions and make sure your loan continues to benefit you. As part of the Raleigh, NC team with America’s #1 Retail Mortgage Lender, I look forward to starting your home financing journey.
On a personal note, I have a Bachelor of Arts in Communication Arts from Gannon University. My husband, Phillip, and I have a blended family of two teens and four young adults!
Breandrea’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.