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1810 E Glenn Avenue, Suite 150 Auburn, AL 36830 Mobile (334) 538-3377 Tel (334) 591-1499 [email protected]
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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
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- Purchase
- Refinance
James Sager
I’ll be with you every step of the way
Hi, my name is James, and I’m excited to help you open the doors to your dream home! As a loan officer at our Auburn, AL branch, I’m here to guide you through the homebuying process at America’s #1 Retail Mortgage Lender.
Having a home you can truly call your own is a big step toward achieving your financial goals. Before getting back into the mortgage business, I was a PGA of America member for 17 years and a writer for the Montgomery Advertiser in Montgomery, Alabama. With plenty of local knowledge and industry experience, I have the skills and loan options to help you achieve homeownership. I’m also flexible and creative enough to make the mortgage process faster and easier for you.
Whether you’re buying or refinancing, I will:
- Explain every detail of your home loan.
- Keep things on track through every step of the process.
- Make sure you get to the closing table as quickly as possible.
I look forward to earning your continued business and referrals the highest level of service!
James’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.