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8613 Mid Cities Blvd. Suite 300 North Richland Hills, TX 76182 Mobile (817) 992-6492 Tel (817) 485-4155 [email protected]
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- monday: 8:30AM – 5:30PM
- tuesday: 8:30AM – 5:30PM
- wednesday: 8:30AM – 5:30PM
- thursday: 8:30AM – 5:30PM
- friday: 8:30AM – 5:30PM
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- FHA Loan
- First-Time Homebuyers
- Purchase
- Refinance
- VA Loan
Rich Hebert
- Originating Branch Manager
- North Richland Hills, TX Mortgage Loan Officer
- NMLS #209685
I’ll be with you every step of the way
Hi, I’m Rich, and I’m passionate about helping you achieve your homeownership dreams! With over 25+ years of experience as a loan officer, I take pride in serving Texas and Arkansas.
Whether you’re purchasing a new home or refinancing, the mortgage process doesn’t have to be stressful. At Lending Edge/CrossCountry Mortgage, my team and I make it seamless and straightforward. We bring extensive experience to every transaction, answering your questions in clear, simple terms and guiding you through each step. Our goal? To help you move confidently from pre-approval to enjoying the comfort of your new home as quickly as possible.
We offer more than just a smooth process—we provide options tailored to your needs. From Conventional, FHA, VA, and USDA loans to exclusive programs with Down Payment Assistance and many other types, you won’t find elsewhere, we’re committed to finding the right solution for you.
If you’re ready to take the first step toward your dream home, I’d be honored to assist you. Let’s make your mortgage journey a success with America’s #1 Retail Mortgage Lender. Reach out today—I’m here to help, now and in the future!
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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.