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  • 3876 Beverly Avenue NE, Building E Suite 39 Salem, OR 97301 Móvil (503) 819-0743 Tel (503) 924-6617 Steven.Hernandez2@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Steven Hernandez

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  • Originating Branch Manager
  • Salem, OR Mortgage Loan Officer
  • NMLS #404540
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I’ll be with you every step of the way

Hola, soy Steven, un oficial de préstamos experimentado que originó préstamos durante los últimos 27 años. Este tiempo de trabajo con clientes felices significa que puede contar conmigo para proporcionar una comunicación clara, en inglés o español, en cada paso del camino. Me aseguraré de que sepa lo que está sucediendo con su hipoteca y responderé sus preguntas desde la solicitud hasta el cierre. Juntos, navegaremos por el proceso de su préstamo para vivienda sin problemas.

Ya sea que desee comprar su primera vivienda o su próxima, le ofrezco una variedad de programas de préstamos para hacer el trabajo. Desde préstamos convencionales y jumbo hasta préstamos de la FHA y VA, analizaremos detalles específicos y personalizaremos la experiencia hipotecaria para que se adapte a sus necesidades. Estoy ansioso por comenzar su viaje de financiamiento de vivienda con el prestamista hipotecario minorista n.o 1 de los Estados Unidos.

Fuera de la oficina, trabajo mucho con la comunidad de habla hispana en Willamette Valley de Oregon. Me gradué de la Universidad de Oregón con una licenciatura y obtuve mi maestría en la Universidad Estatal de Portland.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

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A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Frequently asked questions

  • Los costos de refinanciamiento generalmente oscilan entre el 2 % y el 6 % del monto del préstamo e incluyen cargos como tasación, seguro de título y costos de cierre. Factores como el tipo de préstamo, la ubicación y el puntaje de crédito pueden  afectar significativamente  estos gastos. Nuestro equipo puede ayudar a proporcionar estrategias  que  pueden ayudar a minimizar los costos.

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