-
790 Mason Street, Suite 202 Vacaville, CA 95688 Mobile (707) 591-6933 Tel (707) 591-6933 [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
Jessica Gutierrez Soto
- Loan Officer
- Vacaville, CA Mortgage Loan Officer
- NMLS #1139064
I’ll be with you every step of the way
Hi, I’m Jessica. Financing your home is one of life’s most important financial decisions – and one of life’s best experiences. My job at our Vacaville, CA branch of America’s #1 Retail Mortgage Lender is to care for and help you by offering excellent service, honesty, knowledge, and experience to provide the right financing options for your situation.
Whether you’re buying or refinancing your first home, second home, or investment property, I’ll be by your side every step of the way. When we first meet, we’ll sit down and discuss your goals and aspirations to develop a mortgage plan personalized to you. My goal is to go beyond getting you a loan today, building a trustworthy, long-lasting relationship that continues after closing. I’m always available to answer your questions, no matter what they’re about or how many you may have.
Ready to get started? Feel free to contact me today!
Jessica’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.