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2000 Crow Canyon Place, Suite 140 San Ramon, CA 94583 Mobile (415) 699-2686 Tel (415) 869-5802 [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
Karlo Agustin
I’ll be with you every step of the way
Hi, I’m Karlo. In over 14 years of home financing, I’ve established a reputation for dependability and being a trusted resource to my clients and team. I’ve maintained real estate acumen to deliver top-quality service in an ever-changing lending landscape. From first-time homebuyers to experienced investors, I’ve seen it all and got it done.
My experience working with a diverse clientele helps me create a tremendous experience for everyone. I understand the nuances involved in home financing, from your goals to financial circumstances that may change what’s best for you. We’ll discuss your situation, explore the loans and financing programs available, and make a plan just for you.
From application to closing, I’ll work tirelessly to ensure your transaction is efficient and finishes on time. My goal is to make your home loan experience pleasant and memorable by delivering the highest levels of communication and service. Let’s work together to achieve your goals 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.