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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
Lara Locke
- Originating Branch Manager
- Riverside, CA Mortgage Loan Officer
- NMLS #949406
I’ll personalize your home financing
I’m Lara Locke, branch manager at the Riverside, CA branch of America’s #1 Retail Mortgage Lender. I have over 20 years of experience mastering the mortgage industry. My business is built on strategy, innovation and creating exceptional client experiences. With a background in economics, I take a data-driven approach while keeping human connection at the core of every transaction.
I started as a loan processor at 17 and quickly grew into a loan officer role. Over the years, I’ve earned a reputation for creative problem-solving, crafting tailored financial solutions and delivering results. I believe the best experiences come from integrating cutting-edge technology with a personal touch to streamline processes without losing the trust that defines this business.
To me, mortgages aren’t just about numbers – they’re about creating value, solving challenges and helping people build a foundation for long-term success. That’s the approach I bring to every loan, client and partnership.
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Guides and resources
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
Lara’s testimonials
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.