Your Encinitas, California mortgage experts
Your Future Our Focus
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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
We’ll be with you every step of the way
Based in Encinitas, CA, we’re proud to be part of America’s #1 Retail Mortgage Lender, bringing the same dedication and award-winning service under our new name, CrossCountry Mortgage. Together, we’re Chaz and Justin – a multi-award-winning team committed to excellence in everything we do, for both our clients and business partners.
We believe that home is where your story begins, and to get you there, you need experts on your side. That’s where we come in. Our goal is to make you feel like a VIP throughout the entire mortgage process. We offer a concierge-style service, managing deadlines, creating a personalized plan tailored to your goals, and ensuring you feel supported every step of the way.
Our passion is making homeownership as smooth and stress-free as possible, and we’re here to guide you with compassion, expertise, and attention to detail. Let’s work together to make your homeownership dreams a reality!
Guides and resources
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
Justin’s testimonials
Meet our team
Chaz Hinz
- SVP of Mortgage Lending
- NMLS #309521
- 169 Saxony Road Suite 101
- Encinitas, CA 92024
- [email protected]
- mobile 858-922-0645
- tel 858-922-0645
- fax 312-500-8726
Our support staff
Justin Kollman
SVP of Mortgage Lending | Branch ManagerMy social posts
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.