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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
Your Local CrossCountry Mortgage Loan Officer
Stefan Johnson
- Loan Advisor
- Naples, FL Mortgage Loan Officer
- NMLS # 2093542
I’ll be with you every step of the way
Hello! My name is Stefan Johnson. I get a lot of satisfaction from helping people. Going from running my own marketing company into the mortgage business only solidified my belief that business is primarily about relationships. Meeting my clients and community face-to-face helps me grow my market, know my neighbors and thrive in my profession.
Purchases are one of my favorite ways to help people in my community. At America’s #1 Retail Mortgage Lender, I see firsthand the enormous difference that understanding the loan process and making informed decisions has for someone.
Whether it’s helping first-time homebuyers in my church or guiding a homeowner through the mortgage process, the smile on their faces at the closing table lets me know I’ve made a positive impact.
Living a life of faith and helping my fellow neighbor with the job I do makes me one of the luckiest men I know. I would love to connect with people who share my dedication to service. Let’s work together!
Stefan’s testimonials
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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.