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205 S. Hoover Blvd., Suite 203 Tampa, FL 33609 Mobile (941) 524-9779 Tel (941) 217-7393 [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
Gail Stephens
I’ll be with you every step of the way
Hi, I’m Gail, a University of South Florida grad with over 20 years of experience in the mortgage industry. Throughout my career, I’ve built long-lasting relationships with clients and business partners by offering professionalism and integrity. As a top producer, I’m known for my in-depth knowledge of the mortgage market.
Whether you’re buying your first home, your next home, or a vacation property, I start by listening to your goals. I’ll guide you through the mortgage process, providing clear communication and updates at every stage. With a variety of loan programs—conventional, jumbo, FHA, and VA—I’ll personalize home financing to save you time and money.
I have a deep connection to the southwest Florida community. I grew up on Siesta Drive and now live in the Sarasota/Manatee area with my husband, children, and pets. Outside of work, I’m a competitive tennis player at Lakewood Ranch Country Club. I look forward to helping you achieve your home financing goals with America’s #1 Retail Mortgage Lender.
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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.