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Your Local CrossCountry Mortgage Loan Officer

Luis Kercado

  • Loan Officer
  • Tequesta, FL Mortgage Loan Officer
  • NMLS #661857
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Serving clients in English and Spanish | Yo hablo español

Hello! My name is Luis, and I have over 20 years of experience covering banking, corresponding and brokerage lending. My extensive financing expertise allows me to share and provide you with the information needed to choose the right loan for your homeownership dreams. 

Como oficial de préstamos dedicado en la sucursal de Tequesta, FL, del prestamista hipotecario minorista n.o 1 de los Estados Unidos, estoy aquí para simplificar el financiamiento de la vivienda para usted. Lo guiaré a través de cada paso del proceso hipotecario, responderé sus preguntas e inquietudes, y lo mantendré actualizado sobre el estado de su préstamo. De principio a fin, se sentirá seguro al cerrar. 

When it comes to finding the right home financing for you, I start by listening. We’ll discuss your options to find the right loan for your goals. I offer a wide range of loans, from conventional and jumbo to FHA and VA. Together, we’ll develop a mortgage plan just for you. 

From our first discussion to your closing day, I look forward to providing you with second-to-none communication and customer service. 

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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.

A woman in her home office is excited to learn about down payment assistance options.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Hispanic mother and her two children preparing a meal in the kitchen.

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

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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. 

Contact me

Pase de presentar una solicitud a ser propietario de una vivienda, todo en español

Su idioma. Su proceso. 

Me complace ofrecer herramientas para brindar a los compradores de vivienda de habla hispana un proceso más fácil y personal: 

  • La solicitud de hipoteca de CCM en español le permite dar el primer paso hacia ser propietario de una vivienda en su idioma preferido. 
  • Nuestra herramienta de recursos lingüísticos está disponible después de presentar la solicitud junto con materiales educativos en español y documentos de cierre que lo guiarán a su vivienda. 

No obstante, las herramientas no son nada sin una conexión personal. Hablo español y quisiera brindar orientación especializada y ofrecer mi tiempo para responder sus preguntas en cada paso de su proceso para convertirse en propietario de una vivienda. 

Comuníquese conmigo

Inspiration for your home loan journey

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Frequently asked questions

  • 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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