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16755 Von Karman Avenue, Suite 200 Office 7 Irvine, CA 92606 Mobile (714) 803-2433 Tel (714) 340-4913 [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
Timothy Christensen
I love guiding first-time buyers home
Hi, I’m Tim Christensen, and I’m thrilled to help you navigate your home financing journey. With over 36 years in the mortgage industry, I’ve assisted first-time buyers, move-up buyers, empty nesters, and homeowners in mastering the complexities of mortgage financing. As a dedicated loan officer at our Irvine, CA, I’m proud to offer the expertise of America’s #1 Retail Mortgage Lender to make your homeownership dreams a reality.
Whether you’re buying, refinancing, or renovating, I’ll guide you through every step with personalized support and a range of options, including conventional, jumbo, FHA, and VA loans.
I also collaborate with Realtors, CPA’s, financial advisors, and estate planning attorneys to meet clients’ goals. Additionally, I’m passionate about educating small business employees on home buying, helping them achieve their goal of owning a piece of the American Dream. Let’s start your journey today!
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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.