
-
- 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
Your Local CrossCountry Mortgage Loan Officer
Andrew Chavez
- SVP of Mortgage Lending
- St. Robert, MO Mortgage Loan Officer
- NMLS #1938994
I’ll be with you every step of the way
Hello! My name is Andrew. Homeownership is one of the biggest financial decisions you’ll make, and my job is to help you go into it with confidence. As a former U.S. Army Green Beret, I learned the importance of discipline, problem-solving and working as a team. Now, I bring those same skills to the mortgage industry, making sure you have a clear plan and the right strategy to achieve your goals.
More than anything, I’m a husband and father, and I know firsthand how important it is to find the right home for the people you love. That’s why I take a personal approach to every loan, providing support, education and guidance so you can make the right financial decision for your future.
Whether you’re a first-time homebuyer, a Veteran using your VA benefits or an investor looking to grow your portfolio, I’ll make the process simple and stress-free at America’s #1 Retail Mortgage Lender. Let’s make a plan and get you where you want to be. Reach out today to take the first step.
Andrew’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.
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.