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9255 Towne Centre Drive, Suite 950 San Diego, CA 92121 Mobile (858) 204-1254 Tel (619) 260-2036 [email protected]
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- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 5:00PM
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- Conventional Loan
- FHA Loan
- Purchase
- Refinance
- VA Loan
Julie Ozanich
- Loan Officer, Mortgage Expert
- San Diego, CA Mortgage Loan Officer
- NMLS #479603
Your biggest decision is my biggest passion
Hi, I’m Julie, and growing up in Sacramento, California, I learned the value of hard work while helping out at my mother’s beauty salon. My mortgage career started as a receptionist, and over 30 years, I’ve worked my way up through the ranks, developing strong relationships with clients and providing them with the smooth home financing process they deserve.
Every borrower’s financial situation is unique, and I take the time to review your options to find the best solution for your personal goals. Whether you’re considering conventional, jumbo, FHA, VA, or another type of loan, we’ll develop a financing plan that’s tailored to your needs.
As part of the San Diego, CA team with America’s #1 Retail Mortgage Lender, I’m known for my proactive communication and commitment to ensuring a smooth closing. Whether this is your first mortgage or your ninth, I look forward to helping you achieve your homeownership goals.
Julie’s testimonials
Guides and resources
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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.