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31351 Rancho Viejo Road, Suite 204 & 205 San Juan Capistrano, CA 92675 Mobile (310) 600-1469 Tel (909) 284-9736 [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
Zeke Medina
- Loan Officer I U.S. Military Veteran
- San Juan Capistrano, CA Mortgage Loan Officer
- NMLS #1626584
I’ll be with you every step of the way
Hello! I’m Zeke, a proud Veteran of the U.S. Navy and a loan officer with over 20 years in the real estate and mortgage industry. After graduating from UCLA, I found my true passion in home financing. Since then, I’ve been helping clients in San Juan Capistrano, CA secure the best mortgage solutions with America’s #1 Retail Mortgage Lender.
Whether you’re buying your first home or refinancing, I’ll be there to guide you. We’ll discuss your dreams and goals, and I’ll answer any questions you have about the mortgage process. I offer a wide range of home loan programs, from conventional and jumbo to FHA and VA, and I’ll help you find the one that best fits your needs.
Throughout your journey, I’ll provide updates, support, and transparency, making sure you feel confident every step of the way. I’m excited to work with you and help you achieve your homeownership goals – let’s get started on your home financing journey today!
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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.