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1981 N Broadway, Ste 275 Walnut Creek, CA 94596 Mobile (925) 586-5474 Tel (925) 269-4165 [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
Erik Oberbruner
I’ll be with you every step of the way
Hi, I’m Erik, based in Walnut Creek, CA. Over many years in the mortgage industry, I’ve successfully closed hundreds of transactions for my clients by working diligently. I’m industry-proven and continue to earn the trust and respect of clients, colleagues, and business affiliates. I pride myself on frequent and consistent communication throughout the home loan process, understanding the importance of close coordination with real estate partners on purchase transactions.
When you work with me, I’ll exercise supreme client care. We’ll discuss your goals and priorities to develop a personalized mortgage solution. I’m well-informed and skilled in all types of home financing, such as conventional, FHA, VA, USDA, and jumbo loans. My career has been built through years of expertise, integrity, and professional service, leading to repeat business and referrals. As part of America’s #1 Retail Mortgage Lender, I look forward to putting my experience to work for you in achieving your homeownership dreams.
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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.