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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Alicia Pierce
- Senior Loan Officer
- Wilmington, DE Mortgage Loan Officer
- NMLS #1874869
I’ll be with you every step of the way
Hello! My name is Alicia. My family has been in the mortgage business for over 30 years, so it was only natural when I made my start five years ago. I love creating new relationships, especially with investors, because it allows me to use my creativity and out-of-the-box thinking to set my clients up not only for the present but for long-term success.
As a senior loan officer at the Wilmington, DE branch of America’s #1 Retail Mortgage Lender, I offer a wide range of solutions to meet your goals. From VA and first-time homebuyer loan programs to Non-QM and investor products, we’ll discuss specifics and personalize the mortgage experience to fit your plans.
I aim to make all transactions go smoothly using my knowledge, creativity and persistence. From our first discussion to your closing day, I look forward to providing you with second-to-none communication and customer service.
On a personal note, I’m a mom of two lovely little girls. In my free time, I play softball and create art.
Alicia’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.