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10401 Interstate 10 West, Suites 200 and 201 San Antonio, TX 78230 Mobile (210) 682-9834 Tel (210) 682-9834 [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
Tiffany Giddens
- Loan Officer
- San Antonio, TX Mortgage Loan Officer
- NMLS #2132899
I’ll be with you every step of the way
Tiffany has devoted her life to serving others, blending her roles as a Loan Officer and a retired Army Veteran to bring a unique perspective to her work. Understanding the struggles of finding a home while on duty, Tiffany’s experience is further enriched by her background as a dynamic mother of two and the daughter of a Navy Veteran, deepening her appreciation for the sacrifices of our armed forces. Her mission is focused on making the home-buying process as smooth and stress-free as possible for homebuyers. With the support of her team of highly qualified VA mortgage loan specialists, Veteran educators, community leaders, and military service members, Tiffany goes above and beyond to assist her clients, ensuring they receive the best possible service and support.
Tiffany’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.