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9919 Bridgeport Way SW Lakewood, WA 98499 Mobile (253) 222-9572 Tel (253) 222-9572 [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
Angel Stratton-Busek
- Branch Manager/Loan Officer
- Lakewood, WA Mortgage Loan Officer
- NMLS #1908282
I’ll be with you every step of the way
Hello there! I’m Angel Stratton, your dedicated VA loan specialist mortgage loan officer with a passion for making home ownership dreams a reality. With a focus on assisting Veterans, I take pride in guiding clients through the intricacies of VA loans, ensuring they maximize the benefits available to them. Beyond the world of mortgages, you’ll find me outdoors, particularly around anything water-related. Whether it’s by the beach, a serene lake, or a flowing river, I love spending my spare time surrounded by the calming influence of nature. This connection with the outdoors not only rejuvenates me but also reflects my belief in the balance between work and the joys of life. When I’m not helping clients secure their dream homes or enjoying nature, you might catch me in the midst of spirited football discussions. My family and I are avid football lovers, and we thrive on the excitement, camaraderie, and shared passion for the game. I believe in fostering meaningful connections and ensuring that your journey to home ownership is not just smooth but genuinely enjoyable. Let’s embark on this exciting journey together — because finding your dream home should be as enjoyable as living in it!
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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.