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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
Your Local CrossCountry Mortgage Loan Officer
Sandra Cano
- Senior Loan Officer
- Walnut Creek, CA Mortgage Loan Officer
- NMLS # 1596485
I’ll be with you every step of the way
Hello! I’m Sandra Cano, and I have over 20 years of experience in the real estate and mortgage industry. I’m here to make the homebuying process feel simple, exciting and a lot less overwhelming.
As a loan officer with America’s #1 Retail Mortgage Lender, helping people achieve their homeownership goals is truly what I love to do. Whether you’re buying your first home, moving up, refinancing or looking for a creative financing solution, I’m here to guide you every step of the way. Whether conventional or jumbo, FHA or VA, we’ll work together to find the right fit.
Many know me as the “The Mommy Lender” because being a mom is a huge part of who I am. I believe buying a home is about so much more than a loan — it’s about creating a place for memories, milestones and new beginnings.
I’m excited and can’t wait to help you get HOME!
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.