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19620 W Catawba Ave, Suite 202 & 210 Cornelius, NC 28031 Mobile (704) 253-0160 Tel (980) 292-3002 [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
Courtney Williams
- Mortgage Consultant
- Cornelius, NC Mortgage Loan Officer
- NMLS #1307388
I’ll be with you every step of the way
Hi, I’m Courtney, and I’ve been in the mortgage industry for about 10 years and cannot imagine doing anything else! Before becoming a loan officer, I was more on the operations side, working as a loan officer assistant, in process, and as a production partner. Being on that side of each loan prepared me to be a wonderful loan officer because I know what to do for a smooth, clean, and efficient closing.
Communication with everyone involved is key to an exceptional home financing experience. As your mortgage partner, I’ll set the right expectations from the start, going over your loan options and every step between you and your homeownership dreams. From conventional and jumbo to FHA, VA, and USDA programs, we’ll leave no stone unturned as we form a winning plan and make our way to closing.
I’d love to show you what I can do with the Cornnelius, NC team at America’s #1 Retail Mortgage Lender. Please reach out if I can assist in any way. I’m always here for you!
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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.