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10401 Interstate 10 West, Suites 200 and 201 San Antonio, TX 78230 Mobile (808) 295-9681 Tel (808) 465-2920 [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
Rachel Willis
- Branch Manager, Loan Officer
- San Antonio, TX Mortgage Loan Officer
- NMLS #1844650
I’ll be with you every step of the way
I was born and raised in the beautiful state of Hawaii, and my career in the mortgage industry has spanned over two decades, starting in 2000. Over the years, I’ve cultivated a wealth of knowledge and expertise in mortgages, which has allowed me to educate and assist countless homeowners, real estate professionals, and loan officers across the nation. I’ve earned a reputation as a trusted authority on all matters related to mortgages. My passion for homeownership is unwavering and I’m thrilled to extend my expertise to help homebuyers, especially those venturing into the market for the first time, take the next crucial step in their homebuying journey. During our personalized one-on-one meetings, we’ll delve into your goals and objectives to identify the ideal home loan to meet your needs. Together, we’ll explore various mortgage products including VA, USDA (my top two favorite programs!), FHA and Conventional loans to pinpoint the one that brings you to your dream of homeownership.
Rachel’s testimonials
Guides and resources
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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.