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  • 1464 E Whitestone Blvd. Suite 1603 Cedar Park, TX 78613 Mobile (512) 557-3180 Tel (737) 204-9768 Carl.Stephens@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Carl Stephens

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  • Loan Officer
  • Cedar Park, TX Mortgage Loan Officer
  • NMLS #1398353
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I’ll be with you every step of the way

Carl Stephens is a seasoned mortgage professional with over eight years of experience, proudly serving families in Austin, TX, and beyond. His passion lies in guiding first-time homebuyers, veterans, and those needing credit repair, helping them navigate the homebuying process with confidence and ease. Having grown up in Austin, Carl has deep roots in the community and loves giving back to the people of his hometown.

Carl and his team are dedicated to providing exceptional service by ensuring prompt communication and being fully available to meet their clients’ needs. Whether it’s answering questions or addressing concerns, Carl strives to make the mortgage process smooth and stress-free, treating each client with the care and attention they deserve.

Outside of work, Carl enjoys life with his beautiful wife Laura and their three beloved dogs: two Corgis, Willow and Windsor, and a poodle-mix, Travis. His dedication to both his family and his clients makes him a trusted and compassionate partner in the mortgage journey.

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.

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A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Contact me

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me
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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Inspiration for your home loan journey

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My social posts

carlsloans512 carlsloans512
10h
There’s always another way if you’re willing to look for it.
carlsloans512 carlsloans512
Aug 15
The median ages of both homebuyers and sellers have increased by close to 10 years in the past decade. As the portrait of the average seller evolves, your service should too. Wondering how? Let’s chat.
carlsloans512 carlsloans512
Aug 14
Dreaming of your very first home? A balanced budget is the first step to making it a reality. Learn more 🔗 http://spr.ly/6174fgB22
carlsloans512 carlsloans512
Aug 13
Over the past 15 years, conventional loans have replaced FHA as the most popular financing option for first-time buyers. With options for all loan types, the right loan should fit the life they're build...
carlsloans512 carlsloans512
Aug 12
A temporary rate buydown means lower monthly payments early on — when it can really help.

In many cases, the seller covers the cost. After the initial buyd...

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.

    Learn more

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