-
4731 Hwy A1A, Suite 223 Vero Beach, FL 32963 Mobile (818) 577-7495 Tel (772) 254-9145 [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
Jacob McCrae
- Originating Branch Manager
- Vero Beach, FL Mortgage Loan Officer
- NMLS #2161287
I’ll be with you every step of the way
Home financing is more than selling loans – it’s about helping people achieve homeownership. Whether that’s helping you reach a better financial position or connecting you to the home of your dreams, I’m dedicated to guiding you to the finish line.
My industry experience has taught me to take the time to understand my customers. What’s their story? How can I help them in their pursuit of a home? I see my customers as real people with real goals and priorities, enabling me to match them with a home loan. We’ll browse every product option, from conventional and FHA to VA and USDA loans, to create a seamless home financing experience.
Everyone has a story to tell. Choose a loan officer who’ll listen, customize a loan to fit your plans, and guide you every step of the way. From our first conversation to closing and beyond, I look forward to working with you.
Jacob’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.