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- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Lova Gomez
I’ll be with you every step of the way
Hi, I’m Lova Gomez, and with over 13 years of experience in the mortgage industry, I’ve been fortunate to help many first-time homebuyers achieve the American dream of homeownership. When I first started as a loan originator, I helped homeowners save thousands through debt consolidation refinance loans.
I take great pride in walking clients through the process of buying their first home, especially for those who are unfamiliar with the steps involved. Every borrower is different, and I make sure to conduct comprehensive consultations to ensure the best possible outcome for each client.
As a loan officer at our Naples, FL branch, I bring the resources of America’s #1 Retail Mortgage Lender to every client interaction.
I’m originally from the Dominican Republic, grew up in New York, and have been proud to call Southwest Florida my home for the last nine years. I’m a family man, happily married with two wonderful children, and a fan of the Yankees and the Giants.
Lova’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.