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- monday: 8:30AM – 5:30PM
- tuesday: 8:30AM – 5:30PM
- wednesday: 8:30AM – 5:30PM
- thursday: 8:30AM – 5:30PM
- friday: 8:30AM – 5:30PM
- saturday: 8:30AM – 5:30PM
- sunday: 8:30AM – 5:30PM
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Your Local CrossCountry Mortgage Loan Officer
Lizy Hoeffer
I’ll be with you every step of the way
Hi, I’m Lizy Hoeffer, and I’m proud to be ranked the No. 1 female loan officer in the nation for most closed loans (Scotsman Guide, 2018) and the No. 1 Hispanic loan officer in the nation (NAHREP, 2018). With over 16 years of mortgage industry experience, I’ve worked my way from a receptionist to a top 1% originator, closing over 800 loans in 2018. At the Phoenix, AZ branch of America’s #1 Retail Mortgage Lender, I help clients every day with passion—because passion changes everything.
Our team is driven by a passion for our clients, the mortgage process, and our business partners. We set ourselves apart through client education, finding the best products, and offering competitive rates with on-time closings.
In my Phoenix, AZ community, I volunteer with St. Mary’s Food Bank and lead the White Envelope Project, a homeless awareness campaign. At home, I enjoy life with my husband, Skyler, and our three children, Anabelle, Penelope, and Calvin.
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.