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10401 Interstate 10 West, Suites 200 and 201 San Antonio, TX 78230 Mobile (210) 275-4615 Tel (210) 907-8477 [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
Moses Garcia
- Loan Officer
- San Antonio, TX Mortgage Loan Officer
- NMLS #1879135
I’ll be with you every step of the way
Moses Garcia serves as a Team Lead, Loan Officer, and VA Advocate, bringing a passionate commitment to helping Veterans, active-duty members, and individuals from all walks of life achieve their dreams of homeownership. As a devoted father to three amazing children and husband to Margaret Garcia, Moses understands the importance of family and community support in reaching personal and professional goals. His mission is clear: to assist as many people as possible in navigating the complexities of the homebuying process. Moses and his dedicated team collaborate closely with families and realtors, crafting strategic plans tailored to each client’s unique needs. With a focus on efficiency and effectiveness, they work diligently to ensure every family can secure their piece of the American Dream.
Moses’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.