Step-by-step process to getting the keys to your new home.
-
- 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
-
Your Local CrossCountry Mortgage Loan Officer
Clarissa Hernandez
- Senior Loan Officer
- Aliso Viejo, CA Mortgage Loan Officer
- NMLS # 1772383
I’ll be with you every step of the way
I’m Clarissa Hernandez, a senior loan officer at the Studio City, CA, branch. Since entering the mortgage industry in 2010, I’ve worked in both servicing and mortgage origination, giving me a broad understanding of the lending process and a passion for helping clients achieve homeownership. I educate, communicate and guide my clients throughout the mortgage process, focusing on solutions that help them feel comfortable, informed and confident. My goal is to simplify the process, explain their options clearly and empower them to make confident financial decisions.
Whether you’re a first-time homebuyer, a Veteran or looking for down payment assistance, America’s #1 Mortgage Retail Lender has the products and resources to help you achieve your homeownership goals.
Outside of work, I’m a wife, a mom of three and an avid traveler who loves supporting my kids in sports and dance. Family is everything to me, and I bring that same passion for helping others in my work as a loan officer.
Clarissa’s Reviews
My Videos
Our Team
Guides and resources
My social posts
How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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
-
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.
-
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.
-
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.
-
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.
-
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.