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133 Mission Street, Suite 210 Santa Cruz, CA 95060 Mobile (831) 535-3954 Tel (831) 600-1582 [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
James Saville
- Mortgage Consultant
- Santa Cruz, CA Mortgage Loan Officer
- NMLS #265156
I’ll be with you every step of the way
Hi, I’m James, and with 19 years of experience in the mortgage industry, I’ve helped hundreds of families achieve their homeownership dreams and played a key role in helping build generational wealth through real estate investments.
Known for my exceptional communication skills and deep understanding of the mortgage industry, I provide tailored solutions that meet my clients’ unique needs. I’m committed to delivering the highest level of customer service and will work tirelessly to ensure your goals are met.
As part of the Santa Cruz, CA team at America’s #1 Retail Mortgage Lender, I’m here to help you make informed decisions about your financial future. From our first conversation to closing, I’ll offer education on the mortgage process, answer your questions, and provide personal guidance every step of the way. With my wealth of experience and expertise, I’ll be your trusted advisor in navigating the complexities of mortgages and real estate. I can’t wait to help you achieve your dreams!
Guides and resources
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.
James’s testimonials
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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.