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Your Local CrossCountry Mortgage Loan Officer
Ryan Ashford
I’ll be with you every step of the way
Hello! I’m Ryan, and I believe the best work is built on trust, honesty and commitment to delivering meaningful results. As a loan officer at the Winter Park, FL branch of America’s #1 Retail Mortgage Lender, I provide personalized mortgage solutions with honest guidance and a strong commitment to my clients’ success. My goal is to make the home financing process as simple, transparent and stress-free as possible.
I joined the mortgage industry in 2019, as I wanted a career where I could genuinely help people and be rewarded for hard work. Now, I specialize in conventional, FHA, VA, jumbo and Non-QM financing, with expertise in helping self-employed borrowers and clients with complex income scenarios achieve homeownership.
Outside of work, I’m married to Kristen, and I’m the proud parent of three children — Ryan, Lauren and Jillian. I enjoy hiking, golfing and watching my kids compete. My family keeps me grounded and inspires the integrity and dedication I bring to everything I do.
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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.