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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
Sean Herrero
I’ll be with you every step of the way
Hi, I’m Sean, and I believe where we choose to live begins with our lifestyle. Over the last 19 years, I’ve helped people buy homes, and I’ve learned that everyone has different goals. Some want a large backyard for entertaining, while others prefer no yard so they can travel more. Some love home improvement projects, and others, like me, don’t!
Personally, I enjoy being in the ocean, free-diving, spearfishing, and rock climbing. My family and I use our weekends to explore, and we love the freedom to jump in the car and go on adventures. This passion for living fully has shaped my approach to home loans.That’s why I developed my philosophy of “Home Loans for Your Lifestyle.” Every mortgage should be tailored to your short-term and long-term goals—both financial and lifestyle. Located in Danville, CA, I’m here to guide you through the homebuying process and be there for you afterward to ensure your goals are met. Own your home and live your life on your terms with support from America’s #1 Retail Mortgage Lender.
Sean’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.