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6023 Farcenda Place, Suite 102 Melbourne, FL 32940 Mobile (321) 508-6330 Tel (321) 250-5893 [email protected]
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- monday: 9:00AM – 6:00PM
- tuesday: 9:00AM – 6:00PM
- wednesday: 9:00AM – 6:00PM
- thursday: 9:00AM – 6:00PM
- friday: 9:00AM – 6:00PM
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- Home Equity
- Investment Property
- Purchase
- Refinance
- VA Loan
Charlie Gutierrez
I’ll be with you every step of the way
Hi, I’m Charlie and I started my finance career in 2011 after separating from Active Duty. I spent 20 years serving in the U.S. Coast Guard, where I learned the meaning of serving my community. Whether you’re looking to finance your first home, your next home, or an investment for your future, I care deeply about ensuring your goals are achieved. When you work with my Melbourne, FL team, you can count on us to explain the process, answer your questions, and walk with you from our first conversation to closing.
When it comes to finding the right loan for you, I start by listening. We’ll discuss your goals and priorities to find the product that fits your plans. At America’s #1 Retail Mortgage Lender, we offer a wide range of home loans, from conventional and jumbo to FHA and VA. Together, we’ll achieve your homeownership dreams.
Off the clock, I’ve spent the last 14 years volunteering in youth sports. I especially love coaching my two boys in basketball and baseball.
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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.