The Brown Group
We’ll be with you every step of the way
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- Purchase
- Refinance
Hello! We’re Doug and Sarah, The Brown Team at CrossCountry Mortgage, America’s #1 Retail Mortgage Lender. Doug has been in the mortgage business for 25 years, while Sarah brings seven years of experience to the table. We believe in hard work, dedication, communication, transparency and trust. This is our vision of service for our clients and partners.
We have degrees that perfectly complement our experience in the real estate and mortgage industry. Doug graduated from the University of Texas at Austin with a degree in economics and a Business Foundation Certification from the Red McCombs School of Business. Sarah, with a degree in interdisciplinary studies, graduated from Texas State University.
We reside in Georgetown, TX, with our sweet family. Having been together since 2004, we’re happily married and raising three fun kids — McCade, Anna Claire and Addie Grace Brown! Out of the office, you’ll usually find us on a volleyball court, golf course, out walking or swimm
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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.
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Meet our team
Sarah Brown
- Senior Loan Officer
- NMLS #1679501
- 1464 E Whitestone Blvd. Suite 1603
- Cedar Park, TX 78613
- [email protected]
- mobile 512-736-0177
- tel 512-355-1392
- fax 512-355-1393
Doug Brown
- Vice President of Lending
- NMLS #298967
- 1464 E Whitestone Blvd. Suite 1603
- Cedar Park, TX 78613
- [email protected]
- mobile 512-431-2023
- tel 737-717-0578
- fax 737-717-0578
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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.