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1000 Dexter Avenue N, Suite 310 Seattle, WA 98109 Mobile (425) 785-8202 Tel (425) 364-4608 [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
Cindy Fraioli
I’ll be with you every step of the way
Hi, my name is Cindy, and I’m excited to help you open the doors to your dream home! As a dedicated loan officer at our Seattle, WA branch, I’m here to guide you through the homebuying process at America’s #1 Retail Mortgage Lender.
I’m a leading mortgage originator known for clever strategies, authentic guidance, and the ability to make clients smile. A horse girl at heart, I believe hard work pays off, and the more prepared you are, the better your outcome will be.
A personalized home loan experience is the best experience. When you come to me for your mortgage, I will acknowledge you for who you are and listen to your needs and wants. Whether you’re a first-time homebuyer, long-time homeowner, or looking for an investment or renovation loan, I offer a wide range of financing programs, from conventional and jumbo to FHA and VA. Together, we’ll achieve your homeownership dreams.
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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.