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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
Siomara Barboza
- Senior Loan Officer
- Chicago, IL Mortgage Loan Officer
- NMLS #414163
America’s #1 Retail Mortgage Lender
Hello! I’m Siomara Barboza, an accomplished senior loan officer with more than a decade of experience in the mortgage industry. My commitment to exceptional service has earned me a loyal clientele consisting mainly of satisfied past clients and their referrals.
One of the cornerstones of my business is efficient communication. I firmly believe that keeping clients well-informed throughout the process is key to ensuring a seamless and stress-free experience. My dedication and strong work ethic are evident in every transaction I handle. I pay meticulous attention to detail, ensuring that every aspect of the mortgage process is carefully managed and that your best interests are prioritized.
Beyond my personal expertise, I’m fortunate to lead a fully fluent Spanish-speaking team at America’s #1 Retail Mortgage Lender, allowing us to better serve the diverse needs of our community.
If you want a trusted partner to guide you through your homebuying journey, I’m here to help!
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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.