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9213 Sierra College Blvd., Suite 110 Roseville, CA 95661 Mobile (916) 541-5225 Tel (916) 241-8719 [email protected]
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- Purchase
- Refinance
Ben Johnston
- SVP of Production
- Roseville, CA Mortgage Loan Officer
- NMLS #243751
With over 18 years in the mortgage industry, I’ve helped hundreds of clients – many first-time homebuyers – navigate homeownership with confidence and clarity. I believe buying a home should be exciting, not overwhelming, and I’m passionate about making the process smooth and transparent.
As a husband and father of three, I understand the importance of finding the right home. I listen carefully to your dreams, whether it’s a first condo, family neighborhood or a spot near your favorite trails. I offer a wide range of products at America’s #1 Retail Mortgage Lender, including conventional, FHA, VA and Non-Qualified Mortgage loans. Together, we’ll find the right one for your plans.
Personal finance is a priority. I ensure you get a mortgage that fits your budget and is sustainable long-term. Ready to take the next step? I’m here to answer questions and provide honest, jargon-free advice you can trust.
When I’m not working, I enjoy exploring the outdoors with my family.
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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.