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2900 Westfork Drive, Suite 401, Office 8 Baton Rouge, LA 70827 Mobile (225) 806-4219 Tel (985) 805-6254 [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
Leigh Gilly
- Regional Manager
- Baton Rouge, LA Mortgage Loan Officer
- NMLS #776047
I’ll be with you every step of the way
Hi, I’m Leigh. An 11-year veteran of the mortgage industry, my greatest strengths are my experience and compassion for clients. I pride myself on helping people achieve the dream of homeownership, whether a first home or forever home, and am dedicated to getting it done for you, too. This commitment to excellence earned me the 2016 Ben R. Dowling, Jr. Affiliate of the Year award from the Greater Baton Rouge Association of REALTORS®.
From industry staples to our exclusive loan programs at America’s #1 Retail Mortgage Lender in Baton Rouge, LA, I appreciate working with a team that provides innovative products to make dream homes come true. To find the right loan for you, we’ll start by discussing your short-term priorities and long-term goals to tailor your home financing plan. I’ll always put your best interests at heart and am committed to providing fast, efficient, and hassle-free service. I look forward to working with you every step of the way.
Leigh’s testimonials
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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.