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9999 Bellaire Blvd, Suite 750 Houston, TX 77036 Mobile (832) 704-2159 Tel (832) 704-2159 [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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- Conventional Loan
- FHA Loan
- First-Time Homebuyers
- Non-QM Loans
- VA Loan
Kim Jones
- Sales Manager/ Inside Loan Originator
- Houston, TX Mortgage Loan Officer
- NMLS #324221
I’ll be with you every step of the way
Hi, I’m Kim Jones, a Sr. Loan Officer with CrossCountry Mortgage, America’s #1 Retail Mortgage Lender, based in Houston, TX. With over 44 years in the real estate industry, I bring diversified experience, having run a title operation for many years. One of the benefits of working with me is that I understand the business from all sides and am skilled at problem resolution, no matter where the issue arises.
Most of my business is built on referrals and repeat clients. I’ll personally provide guidance and relevant mortgage and financial information, always putting you first. My goal is to earn your business by earning your trust. I’d like to be your Loan Officer for life, not just for a single home purchase or refinance transaction.
When you work with me, you align with a knowledgeable Loan Officer who listens to your needs and acts with integrity. I’ll help you find the right mortgage products, competitive rates, and services to suit your home financing goals. Give me a call at 832-704-2159 to speak with me immediately.
Guides and resources
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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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.