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133 Mission Street, Suite 210 Santa Cruz, CA 95060 Mobile (831) 818-6007 Tel (831) 600-1585 [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
Tony Crane
- Senior Mortgage Advisor
- Santa Cruz, CA Mortgage Loan Officer
- NMLS #335270
I’ll be with you every step of the way
Hi, I’m Tony, and after graduating from Humboldt State University with a Bachelor of Arts in Business and Finance, I spent eight years building houses and earned my general contractor’s license. In 1991, I transitioned to the mortgage industry to help people achieve their homeownership dreams and use real estate to build comfortable retirement portfolios. My education in finance and hands-on experience in home building have enabled me to serve clients and partners for over 30 years.
When you work with me, I’ll listen carefully to your goals to fully understand your unique situation. Whether you’re a first-time homebuyer or an experienced homeowner, we’ll discuss products like conventional, jumbo, FHA, VA, renovation, construction, and investment loans to find the right fit for you.
As part of the Santa Cruz, CA team with America’s #1 Retail Mortgage Lender, I’m committed to making your home loan experience pleasant and memorable. Let’s get started on achieving your homeownership goals!
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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.