-
696 1st Avenue N, Suite 204 St. Petersburg, FL 33701 Mobile (727) 222-2183 Tel (813) 774-4671 [email protected]
-
- 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
-
- Purchase
- Refinance
Christina Carroll
- Mortgage Loan Originator
- St. Petersburg, FL Mortgage Loan Officer
- NMLS #2029558
I’ll be with you every step of the way
Hi, I’m Christina, and I’m looking forward to helping you achieve your real estate goals! Everyone needs the security of homeownership. With recent skyrocketing rental prices, many people are being priced out of their communities. This has motivated me to help everyone avoid this in the future.
Whether your goal is to purchase your first home, second home, or investment properties, I’m here to guide you every step of the way. Real estate investing first brought me to Florida in 2014, and becoming an investor is easier than most people think.
Another life-changing opportunity I can offer is a refinance. If you’re buried in high-interest debt, give me a call. Often, you can consolidate debt and still end up with a lower mortgage payment. With my team, you can expect 5-star service, from finding your best mortgage options to recommending free utility hookup services. With the right advisor, you can achieve all your goals with America’s #1 Retail Mortgage Lender!
Christina’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.