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9 S. Franklin St., Office 100 CLEAVELAND, TX 95305 Mobile (777) 777-7777 Tel (571) 655-3324 [email protected]Get Directions
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Your Local CrossCountry Mortgage Loan Officer
Gina Myers
- CLEAVELAND, TX Mortgage Loan Officer
- NMLS #898712
I’ll be with you every step of the way
Hi, I’m Gina! With over 20 years of experience in real estate and home finance, I have the knowledge to guide you through your home loan process.
I transitioned to the mortgage industry in 2012 after several years in commercial real estate. It’s a great combination because I not only understand home loans, but I also know how to manage clients’ expectations and their home financing process. My team and I will navigate every step of the mortgage process with you, from application to closing and beyond.
I’m dedicated to providing solutions that are tailored to your individual goals. I offer a wide range of programs, from FHA and VA to conventional and jumbo loans. Together, we’ll find the one for you.
Whether you’re buying, refinancing, or renovating, my team and I are ready to give you an outstanding home financing experience. Please feel free to call, email, or apply online. I’m proud to serve clients here in Fairfax, VA, as part of America’s #1 Retail Mortgage Lender.
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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.
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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.