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23945 Calabasas Road, Suites 205 & 213 Calabasas, CA 91302 Mobile (818) 635-1940 Tel (818) 483-4899 [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
Randy Wagner
- SVP Loan Origination
- Calabasas, CA Mortgage Loan Officer
- NMLS #317649
I’ll be with you every step of the way
Hi, I’m Randy, based in Calabasas, California. I’ve been in the mortgage business for 30 years and pride myself on serving my clients and building healthy and happy long-term relationships. I live in Calabasas with my wife, Amber, and am very proud of my three grown kids. Coming from a parent, I understand that a home is more than a transaction – it’s where memories are created.
As your trustworthy and reliable loan officer, I’m dedicated to getting you into the home of your dreams. I’ll take the time to meet with you and guide you through various product options. Conventional, FHA, VA, and USDA loans are a few programs that I offer. But finding your mortgage is just the start – I’ll be by your side to answer questions and guide you from application to getting your keys. As part of America’s #1 Retail Mortgage Lender, I look forward to starting your homebuying journey!
Randy’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.