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205 S. Hoover Blvd. Suite 203 Tampa, FL 33609 Mobile (407) 376-7258 Tel (386) 347-5497 [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
Eric Hillerman
- Sales Manager
- Tampa, FL Mortgage Loan Officer
- NMLS #882872
I’ll be with you every step of the way
Hi, I’m Eric. For over 25 years, I’ve worked as a loan officer in the home financing and construction industries. Before working one-on-one with clients, I worked in other areas of the mortgage business, including underwriting and insuring. I also gained vast experience working with residential builders and liaising with lenders, so I understand the entire process. With my knowledge and expertise at our Orlando, FL branch of America’s #1 Retail Mortgage Lender, you have my unwavering support and guidance at every step of the process.
I’ve helped homebuyers obtain a home loan for their Florida dream home, Military Families refinance their existing homes, and international buyers finance investment properties and second homes. No matter your goal, we’ll begin your journey by going over your current financial situation. Afterward, we’ll explore my range of product options to find the one that aligns with your plans. I specialize in FHA, VA, and Foreign National loans. Together, we’ll achieve your homeownership dreams.
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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.