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900 NW 17th Avenue, Unit 202 Delray Beach, FL 33445 Mobile (407) 413-3005 Tel (561) 227-9641 [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
Lisa Holguin
I’ll be with you every step of the way
Hi, I’m Lisa. My journey with homebuying began alongside my mortgage journey in 2015. While my husband and I were purchasing our first home, our loan officer offered me a job – and I took it and ran! Since then, I’ve had the honor of being recognized in my company’s top 10 loan officers for VA home loan production and featured in magazines such as Scotsman Guide.
As part of our Delray Beach, FL branch at America’s #1 Retail Mortgage Lender, my award-winning service is at your disposal from our first conversation to closing day and beyond. I specialize in working with Military buyers, offering expertise in VA loans and an understanding of your unique situation. My husband was once Active Duty, so I’m familiar with the situations and circumstances we face as Military Families. I also work within the Hispanic community, as I’m Dominican and Spanish is my first language. I’m proud to be recognized by NAHREP – the National Association of Hispanic Real Estate Professionals – as one of the nation’s Top 250 Latino Mortgage Originators.
Lisa’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.