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Your Local CrossCountry Mortgage Loan Officer

Carlos Flores

  • Originating Branch Manager
  • West Covina, CA Mortgage Loan Officer
  • NMLS #238306

Serving clients in English and Spanish | Yo hablo español

Hi, I’m Carlos Flores — mortgage advisor, Marine Corps Veteran and a firm believer that homebuying should feel exciting, not overwhelming. I’ve been serving families since 1992, and after thousands of closed loans, I’ve learned one truth: people want a guide they can trust to give straight answers and a clear path forward. 

I make the mortgage process simple, strategic and stress-free. I break everything down in plain English, keep you informed from start to finish and answer the phone. Based in West Covina, I help clients across AL, AR, AZ, CA, CO, FL, MO, NV and TX, from first-time homebuyers to move-up buyers to Veterans using their well-earned VA benefits. 

At America’s #1 Retail Mortgage Lender, you get access to powerful loan options, including Conventional, FHA, VA, Jumbo, Renovation, Reverse, and specialty programs you won’t find at most lenders. 

If you’re ready to take the next step, let’s connect. I’ll help you navigate your options, avoid costly mistakes and make your mortgage a win. 

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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.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Inspiration for your home loan journey

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When Will Mortgage Rates Go Down?

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Down Payment: How Much Do You Need for a House?

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FHA Loan Requirements Checklist 2025

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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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  • 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.

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