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133 Mission Street, Suite 210 Santa Cruz, CA 95060 Mobile (831) 239-4667 Tel (831) 600-1592 [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
Jenny Boffy
- Senior Mortgage Advisor
- Santa Cruz, CA Mortgage Loan Officer
- NMLS #203209
I’ll be with you every step of the way
Hi, I’m Jenny, and over the past 17 years, I’ve had the opportunity to help hundreds of families with home financing. As a homeowner myself, I know that buying a house is more than just a financial transaction. That’s why it’s essential to work with someone who understands both the complexity and significance of this process—and I’m here to help.
As a dedicated mortgage professional, I view home financing as one of the most important transactions you’ll ever make. You will always be my top priority. I’ll listen to your goals, answer your questions, and explain the steps needed to achieve your homeownership dreams. From conventional and jumbo to FHA and VA, we’ll discuss loan programs and personalize your mortgage experience.
As part of the Santa Cruz, CA team with America’s #1 Retail Mortgage Lender, I’m excited to get started on your home financing journey.
Off the clock, I love spending time outdoors with my family. I’m married to a local insurance agent, and we enjoy soaking up the sun whenever possible!
Jenny’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.