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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
Will Hayden
I’ll be with you every step of the way
As an honorably discharged Veteran, my passion lies in helping fellow Veterans with their VA loans and homebuying dreams. I bring over 20 years of business and real estate expertise to the table and hold a certificate with honors from Yale University in financial markets. My experience as a landlord and property developer combines with my industry knowledge and education to help me align with every client’s larger homeownership goals.
When you work with me, you’ll get dedicated care from application to closing. We’ll take time to meet and discuss your goals and priorities so I can better understand your financial picture. From there, I’ll walk you through a selection of programs – from conventional and jumbo to VA, FHA, and USDA loans – while answering your questions along the way. Together, we’ll make the home of your dreams a reality.
On a personal note, I grew up between Orange County, California, and Seattle, Washington. I enjoy surfing, skiing, and hiking with my family and friends.
Will’s testimonials
Guides and resources
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.
I’d love to hear from you.
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Guides and resources
Buying a home is an exciting step and a big investment. We want you to enjoy the ride, so we’re here to make the process as easy as possible. Whether you’re a first-time homebuyer, buying a luxury house, or investing in property to build your real estate portfolio, our Homebuying Guide will help you on the journey from application to a new set of keys.
