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- saturday: 7:00AM – 4:00PM
- sunday: 7:00AM – 4:00PM
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- Purchase
- Refinance
Sebastian Cordoba
- Senior Loan Officer
- Lexington, MA Mortgage Loan Officer
- NMLS #1485371
America’s #1 Retail Mortgage Lender
Hi, I’m Sebastian, a graduate of the University of Massachusetts at Dartmouth, where I earned my bachelor’s degree in economics, business administration, and Spanish while captain of the men’s varsity soccer team. I’ve been a loan officer for more than 9 years and absolutely love what I do!
I got into the business to be a master in the industry. While I was getting licensed as a loan officer, I had the worst experience purchasing my first home. At that moment, I decided to become an expert in home financing to make sure no one has the same experience I had when making the largest investment of their life.
As a bilingual loan officer at America’s #1 Retail Mortgage Lender, I’ve been able to help serve my Spanish-speaking community. I also dedicate myself to helping first-time homebuyers, investors, and builders. No matter your goal, I can’t wait to make your mortgage a win.
In my downtime, I love being a father to my daughter and spending time with my wife and family. I also enjoy working out, salsa dancing, playing soccer, and golf.
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
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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.