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  • 13040 Livingston Road, Suite 16 Naples, FL 34105 Mobile (239) 351-2931 Tel (239) 351-2931 [email protected]
    • 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
    • Purchase
    • Refinance
Your Local CrossCountry Mortgage Loan Officer

Luis Melgar

  • facebook logo
  • Originating Branch Manager
  • Naples, FL Mortgage Loan Officer
  • NMLS #1633114
Aplica Ya Free Rate Quote

I’ll be with you every step of the way

Hi, I’m Luis, and having a home you can truly call your own is a big step toward achieving your financial goals. I have the knowledge, experience, and loan options to help you get there. I’m also flexible and creative enough to make the mortgage process faster and easier, even if your situation is a bit complicated.

Whether you’re buying or refinancing, I will:

  • Explain every detail of your home loan,
  • Keep things on track through every step of the process, and
  • Make sure you reach the closing table as quickly as possible.

Located in Naples, FL, I look forward to earning your continued business and referrals by providing a higher level of service than any other loan officer out there. Let’s get started on your home financing with America’s #1 Retail Mortgage Lender!

Luis’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

Neutral living room with fireplace.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Hispanic mother and her two children preparing a meal in the kitchen.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Pase de presentar una solicitud a ser propietario de una vivienda, todo en español

Su idioma. Su proceso. 

Me complace ofrecer herramientas para brindar a los compradores de vivienda de habla hispana un proceso más fácil y personal: 

  • La solicitud de hipoteca de CCM en español le permite dar el primer paso hacia ser propietario de una vivienda en su idioma preferido. 
  • Nuestra herramienta de recursos lingüísticos está disponible después de presentar la solicitud junto con materiales educativos en español y documentos de cierre que lo guiarán a su vivienda. 

No obstante, las herramientas no son nada sin una conexión personal. Hablo español y quisiera brindar orientación especializada y ofrecer mi tiempo para responder sus preguntas en cada paso de su proceso para convertirse en propietario de una vivienda. 

Comuníquese conmigo

Inspiration for your home loan journey

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Exterior of a ranch style home whose mortgage is going through a refinance.

When to Refinance a Mortgage

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What Are Conforming Loan Limits?

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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Frequently asked questions

  • 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.

    Learn more

  • 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. 

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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. 

    Learn more
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