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12396 World Trade Drive, Suite 212 San Diego, CA 92128 Mobile (619) 495-9904 Tel (949) 272-8274 [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
Josh Gullick
I’ll be with you every step of the way
Hi, I’m Josh, based in San Diego, CA. I’m a dynamic mortgage professional with a degree in economics and a deep passion for financial education and wealth building. With a wealth of experience in home financing, I’ve become an expert in helping individuals and families achieve their homeownership dreams.
What truly sets me apart in this business is my unwavering commitment to nurturing and guiding my team. I firmly believe in imparting the extensive knowledge I’ve gained throughout my career to the next generation of loan officers, with the ultimate goal of empowering our clients to secure the right loan for their homes.
I believe financial well-being is the cornerstone of a fulfilling life. Through my expertise, passion, and commitment, I aim to make a profound impact on the lives of those I serve. As part of America’s #1 Retail Mortgage Lender, I’m dedicated to helping countless individuals achieve their American dream of homeownership and financial stability.
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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.