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1755 Telstar Drive, Suite 300 Office 318 Colorado Springs, CO 80920 Mobile (808) 798-9054 Tel (808) 451-3531 [email protected]
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- FHA Loan
- Purchase
- Refinance
- USDA Loans
- VA Loan
Jason Scott
- Director, VA Lending, Task Force Mortgage Team, SFC, USA (Retired)
- Colorado Springs, CO Mortgage Loan Officer
- NMLS #1160791
Dedicated to getting it done
Hi, I’m Jason. After 20 years serving in the U.S. Army with multiple combat deployments to Iraq and Afghanistan, I’m now a retired Combat Veteran passionate about helping Veterans purchase or refinance their home. As a loan officer at our Colorado Springs, CO branch of America’s #1 Retail Mortgage Lender, I’ve earned Scotsman Guide’s Top Originators award, being recognized by their Top VA Volume list in 2019, 2020, and 2021. If you’re a Veteran interested in homeownership or looking to save money on your current mortgage by using your VA Home Loan Benefit, I’m ready to help.
Whether this is your first home, your next home, or a refinance, I’m here to simplify home financing for you. I’ll take the time to walk you through each step of the mortgage process, answer your questions and concerns, and keep you up to date on your loan’s status. From start to finish, I want to make sure you feel confident your mortgage is moving smoothly to closing.
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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.