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- monday: 8:30AM – 5:30PM
- tuesday: 8:30AM – 5:30PM
- wednesday: 8:30AM – 5:30PM
- thursday: 8:30AM – 5:30PM
- friday: 8:30AM – 5:30PM
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- Purchase
- Refinance
Joy Bates
- Originating Branch Manager
- Arlington, TX Mortgage Loan Officer
- NMLS #243437
I’ll be with you every step of the way
Hi, I’m Joy, a mortgage lending professional since 1999. I’ve built my reputation on providing outstanding service to my clients. You can count on me to always look out for your best interests and to keep you informed every step of the way. My goal is to help you find a loan that meets your objectives, and I strive to provide an amazing experience, so much so that you’ll want to refer your family, friends, and co-workers to me.
Communication is key, and my team and I make ourselves very available to our clients. We want to be your “Lender for Life”! With the resources of America’s #1 Retail Mortgage Lender, I’m ready to make your homeownership journey smooth and memorable!
I believe in giving back to my community through involvement in organizations like the AISD Education Foundation, Rotary Club of Arlington, and Junior League of Arlington. My husband Chad and I are the proud parents of three adult children and two grandchildren, and in our spare time, we enjoy cooking, watching sports, and traveling.
Joy’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.