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4280 N Campbell Avenue, Suite 107 Tucson, AZ 85718 Mobile (520) 427-5470 Tel (520) 537-0581 [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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- Construction Loan
- Home Equity
- Purchase
- Refinance
- VA Loan
Josh Garza
- Loan Officer
- Tucson, AZ Mortgage Loan Officer
- NMLS #2008429
I’ll be with you every step of the way
Hello! My name is Josh. I’ve spent the last five years as a trusted loan officer, guiding individuals and families through the complexities of home financing and new construction loans. Before my mortgage career, I served honorably in the U.S. Army for four years, instilling a strong work ethic and dedication to service. This experience – combined with a genuine passion for helping people – drives my commitment to providing reliable mortgage solutions.
I understand each mortgage is unique to your goals, circumstances and priorities. That’s why I personalize the home loan process. Maybe a conventional mortgage will meet your requirements. Perhaps a construction loan is a better fit for your big dreams. Or you could qualify for FHA or VA programs. Whether you’re purchasing, renovating or building, America’s #1 Retail Mortgage Lender offers a product for your plans.
My journey is defined by service. I enjoy supporting local businesses and strengthening our community – one home at a time.
Josh’s testimonials
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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.