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10401 Interstate 10 West, Suites 200 and 201 San Antonio, TX 78230 Mobile (210) 993-4663 Tel (210) 993-4663 [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
David Reyes-Miller
- Loan Officer
- San Antonio, TX Mortgage Loan Officer
- NMLS #2366096
I’ll be with you every step of the way
David Reyes-Miller’s commitment to his fellow Veterans and the military community is deeply rooted in his own experiences. Having navigated the complexities of the VA Loan and homebuying process himself, David understands the challenges that come with military service and the quest for homeownership. He has made it his mission to simplify this process for others, providing steadfast support and guidance every step of the way. David begins each client relationship with a simple yet crucial approach: listening. By fully understanding your unique circumstances and goals, he is able to offer tailored advice and discuss the best loan options available to you. As your trusted partner, David ensures clear communication and empowers you to make informed decisions, ensuring that you feel confident and supported from start to finish in your homebuying journey.
David’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.