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100 West Main Street, Suite 415 Lansdale, PA 19446 Mobile (215) 989-9440 Tel (215) 989-9440 [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
Helena Lopes
I’ll be with you every step of the way
Hi, my name is Helena, and I’m excited to help you open the doors to your dream home! As a dedicated loan officer at our Lansdale, PA branch, I’m here to guide you through the homebuying process at America’s #1 Retail Mortgage Lender.
Originally from Brazil, I honed my teaching skills for 14 years before making Pennsylvania my home and running my own business for 17 years. My desire to educate, combined with my experience operating a service business, led me to the mortgage industry. Staying up-to-date on the latest home financing complexities, I’ve become a vital resource for homeowners and real estate agents.
My passion is helping first-time homebuyers achieve their dreams and finding creative solutions for unique situations. I’ll take the time to discuss your goals and guide you through a range of loan options, from conventional and jumbo to FHA, VA, and USDA programs. Let’s make your homeownership dreams come true!
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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.