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6601 Vaught Ranch Road, Suite 101, Office I Austin, TX 78730 Mobile (512) 795-9850 Tel (888) 795-9850 [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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- Purchase
- Refinance
Shirley Mueller
- Originating Branch Manager
- Austin, TX Mortgage Loan Officer
- NMLS #336103
I’ll be with you every step of the way
Hi, I’m Shirley, SVP of Mortgage Lending with CrossCountry Mortgage in Austin, TX. I head up a team serving Veterans nationwide. Since 2003, I’ve originated over 3,000 VA loans, helping Military and Veterans in various circumstances, including:
- Active-Duty Service Members deployed overseas, returning home, or with PCS orders
- Separated Veterans with income, including Military retirement, disability, and Social Security
- Military Spouses handling the home purchase or VA loan refinance for their family
My team and I provide specialized service to Veterans who want to buy a home for themselves and their families. Helping Veterans is beyond rewarding, and we’ve gotten to know many amazing individuals. In recognition of my loan volume and dedication to serving Texas Veterans, I was ranked #7 in Top VA Volume by Scotsman Guide in 2018 and consistently rank in the Top 1% of Mortgage Originators in America by Mortgage Executive Magazine. I’m proud to have helped thousands purchase or refinance their homes and am dedicated to doing the same for you.
Shirley’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.