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474 Lowell Street, Store #10 Peabody, MA 01960 Mobile (857) 250-5385 Tel (508) 659-9433 [email protected]
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- monday: 9:00AM – 6:00PM
- tuesday: 9:00AM – 6:00PM
- wednesday: 9:00AM – 6:00PM
- thursday: 9:00AM – 6:00PM
- friday: 9:00AM – 6:00PM
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- Home Equity
- Purchase
- Refinance
Olga Laffitte
I’ll be with you every step of the way
Hi, I’m Olga. In 2005, I began originating loans in San Juan, Puerto Rico. My commitment to providing home loan options to a diverse range of clients has enabled me to offer services in both English and Spanish for multicultural families. It’s important to me that prospective homeowners can follow the process with comfort and clarity.
Whether this is your first home, next home, refinance, or investment, I’m here to guide you through the home financing process with communication that gives you confidence you’re making the right choices. I offer a wide range of products, from conventional and jumbo to FHA, VA, and renovation. Together, we’ll take each step in your homebuying journey.
I have worked in the top-producing ranks for many banks and, after moving to Boston in 2009, transitioned into operations as a processor. Now, I’m back in the industry as an originator, and my team and I look forward to helping you achieve your homeownership dreams with America’s #1 Retail Mortgage Lender.
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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.