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133 Mission Street, Suite 210 Santa Cruz, CA 95060 Mobile (408) 781-1031 Tel (831) 600-1580 [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
Joshua Augason
- Sr. Loan Officer
- Santa Cruz, CA Mortgage Loan Officer
- NMLS #1042338
I’ll be with you every step of the way
Hi, I’m Joshua, and I’ve been working in the mortgage industry for 10 years. With a background in support roles, I have an in-depth understanding of every step of the home loan process. Now as a loan originator, I’m ready to simplify home financing for you—whether this is your first home, your next home, or a refinance.
From start to finish, I’ll take the time to walk you through each step, answer your questions, and keep you up to date on your loan’s status. My priority is making sure you feel confident that your mortgage is moving smoothly to closing. Together, we’ll find the right product to meet your needs, whether it’s conventional, jumbo, FHA, or VA.
As part of the Santa Cruz, CA team with America’s #1 Retail Mortgage Lender, I look forward to developing a personalized mortgage plan for you. Let’s get started on your home financing journey!
Joshua’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.