-
- 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
Your Local CrossCountry Mortgage Loan Officer
Leo Namiot
- Senior Loan Officer
- San Juan Capistrano, CA Mortgage Loan Officer
- NMLS # 89769
I’ll be with you every step of the way
Hello! My name is Leo Namiot, and I believe that a mortgage is more than just a transaction. For families, it’s stability. For agents, it’s momentum. For me, it’s a promise. When a homebuyer trusts me with their loan or an agent sends me a client, they’re trusting me with something bigger than paperwork.
As a part of America’s #1 Retail Mortgage Lender, I’m here to help you win. For clients, that means confidence in one of life’s biggest financial decisions. The right guidance can turn a stressful process into an exciting new chapter.
For referral partners or agents, the right financing partner can be the difference between a lost deal and a lifelong client. I’ll help you close more deals, prevent problems before they cause delays and keep your reputation strong at the closing table. Your relationships are always safe in my hands.
I’d love to hear your goals, help you win and build something that lasts. With over 23 years of experience, I’m here to put that promise to work for you.
Leo’s testimonials
My Videos
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.