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9130 Galleria Court, Suite 101 Naples, FL 34109 Mobile (239) 692-4344 Tel (239) 379-8024 [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
Ricardo Alarcon
I’ll be with you every step of the way
Hi, my name is Ricardo, and I’m a strong believer in the American dream. I’ve traveled the world since I was two, visiting Belgium, Italy, Ecuador, and Mexico. I came to the U.S. in 2015 from Venezuela, overcoming the challenges of learning a new language and adapting to a new culture. These experiences helped me grow and realize there’s always something new to learn.
My commitment to growth has led to many achievements. I graduated summa cum laude with a degree in business administration, bought a home, got married, and became fluent in Spanish, Italian, and English. I’ve also become a premier mortgage professional, gaining valuable experience while working at one of the biggest U.S. banks for over five years.
Today, as a loan officer at our Naples, FL branch, I help people achieve their home financing goals in a clear and efficient way. I’m proud to offer advanced mortgage technology, resources, and expertise with America’s #1 Retail Mortgage Lender to guide families toward their dreams.
Ricardo’s testimonials
Guides and resources
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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.