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696 1st Avenue N, Suite 204 St. Petersburg, FL 33701 Mobile (727) 421-1067 Tel (727) 214-3279 [email protected]
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- monday: 9:00AM – 7:00PM
- tuesday: 9:00AM – 7:00PM
- wednesday: 9:00AM – 7:00PM
- thursday: 9:00AM – 7:00PM
- friday: 9:00AM – 7:00PM
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- Construction Loan
- Down Payment Assistance
- Non-QM Loans
- Purchase
- Refinance
Maureen Helm
I’ll be with you every step of the way
Hi, I’m Maureen. Home financing can feel like a maze, but with the best guidance, the process can be simple and easy! As a loan professional at our St. Petersburg, FL branch of America’s #1 Retail Mortgage Lender for over 20 years, my goal is to structure your loan to best fit your budget. Whether you’re buying a new home or refinancing, it’s a big deal, and I’ll place you and your needs at the front of everything we do.
Whether you’re a first-time homebuyer, seasoned homeowner, or experienced real estate investor, we offer mortgage products designed to meet your needs. My team and I will communicate every step of the way to ensure we exceed your expectations. We’ll give you one-on-one attention to understand your unique circumstances and personalize the process. From application to closing, count on us to get it done.
I believe a mortgage should be about building a lifelong relationship, not just a transaction. Contact me today and experience the difference.
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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.