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1177 Magnolia Avenue, Suite 1 Larkspur, CA 94939 Mobile (415) 269-7711 Tel (415) 464-3172 [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
Scott Hellar
- Senior Loan Advisor
- Larkspur, CA Mortgage Loan Officer
- NMLS #312226
I’ll be with you every step of the way
Hi, I’m Scott Hellar, and for over 20 years, I’ve helped people achieve their dream of homeownership. With the Larkspur, CA team of America’s #1 Retail Mortgage Lender, I guide my clients through the process with personalized service and a wide selection of loan products. I have a B.A. in economics from the University of Southern California and experience as a small business owner. Most importantly, I’ve been a top producer in Marin County since 2001, helping hundreds of clients purchase or refinance their homes.
I’m known for my attention to detail and exceptional customer service. I treat every borrower like they’re my only client, ensuring they feel informed and confident at every stage. My team and I work closely together to make sure loans close smoothly and on time.
A native of Marin County, I enjoy being a private pilot, playing golf, coaching my kids’ sports, and spending time with my wife and two children in my free time.
Scott’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.