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2 Lower Ragsdale Drive, Suite 130 Monterey, CA 93940 Mobile (831) 595-5874 Tel (831) 920-5383 [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
Bridget Hughbanks Villicana
I’ll be with you every step of the way
Hi, I’m Bridget, and I’ve been in the mortgage industry for many years. I’m ready to simplify home financing for you. My associate degree in science with a certificate in real estate from Monterey Peninsula College provides me with a unique perspective on the homebuying process, allowing me to find creative, outside-the-box solutions. I believe the best part of being a loan originator is helping clients achieve their dreams of homeownership and continuing to support them even after closing day.
When finding the right home financing for you, I always start by listening. We’ll discuss your goals and priorities to find the product that fits your needs. I offer a wide range of loans at America’s #1 Retail Mortgage Lender, including conventional, jumbo, FHA, and VA. Together, we’ll create a mortgage plan tailored to you.
I’m proud to serve the Monterey, CA community as a board member for the King City Chamber of Commerce and Agriculture.
When I’m not working, I enjoy spending time with my husband of over 20 years.
Bridget’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.