Your Local CrossCountry Mortgage Loan Officer
Angie Garcia
- VP of Lending
- Reston, VA Mortgage Loan Officer
- NMLS # 1436145
I’ll be with you every step of the way
I’m a specialist in all things real estate, mortgage, and personal finance. My combined experience of 12 years as a real estate agent and five years in home financing provides me with a unique perspective that allows me to understand and support your homeownership goals every step of the way.
I’ll apply every bit of my experience and knowledge toward your success and happiness. As a native of Montgomery County, Maryland, my DMV upbringing provides me with deep first-hand knowledge of the area and homebuying market.
I’m also proud of my Colombian and El Salvadorian roots – Hablo Español! My two active sons keep me motivated and are my reason for doing what I do.
Whether you’re a first-time homebuyer, a long-time homeowner, or a real estate investor, you can be sure I’ll go above and beyond to ensure you have an exceptional mortgage experience and be your loan officer for life.
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Should you buy a house or keep renting?
Enter the basic terms for a purchase loan and your current rent payment/expenses to calculate total cost comparisons and see projected 30-year savings for a purchase.
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.