Step-by-step process to getting the keys to your new home.
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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 – 4:00PM
Your Local CrossCountry Mortgage Loan Officer
Jeff Motes
- Senior Loan Officer
- San Antonio, TX Mortgage Loan Officer
- NMLS # 1639290
America’s #1 Retail Mortgage Lender
My professional mission is to help clients make smart, savvy decisions about building wealth and financing real estate.
Secondly, there’s simply no substitute for skill & expertise on financial matters when navigating loan types, down payment and interest rate options from a sea of choices — so you’ll want me as your lender & advocate on purchases and when refinancing.
Thirdly, the economics of buying or refinancing have long-term implications combined with short-term impacts, so you’ll want me to deliver the insights that help you make well-informed decisions now and benefit from those choices later.
And finally, you want your lender to communicate clearly in real-time, present options and offer recommendations that fit your circumstances. That is exactly what you’ll get!
Whether we’re originating a Conventional, Jumbo, VA, FHA, USDA, Non-QM (bank statement, asset depletion, 1099, DSCR) loan or bond/non-bond down payment assistance program, you’ll be well-positioned for success.
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.