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205 S. Hoover Blvd., Suite 203 Tampa, FL 33609 Mobile (813) 389-2557 Tel (813) 345-4841 [email protected]
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- Conventional Loan
- First-Time Homebuyers
- Jumbo Loan
- Purchase
- Refinance
Daniel Larios
America’s #1 Retail Mortgage Lender
At America’s #1 Retail Mortgage Lender, the Larios Group specializes in helping clients achieve homeownership goals. We understand the unique financial situations of high-profile clients, including non-traditional income streams and complex financial structures. Our bespoke mortgage solutions are personalized to fit your goals.
In competitive real estate markets, timing is everything. Our experienced team is well-versed in financing high-value properties and is dedicated to delivering expedited closing times, helping you secure your dream home without delay.
Your demanding schedule deserves efficient solutions. Our user-friendly online application process and secure client portal make managing your mortgage simple and stress-free.
Whether relocating for a new contract, business venture, or lifestyle upgrade, we look forward to providing seamless support wherever your career or life takes you.
Excellence Tailored to Your Lifestyle. Expertise You Can Trust.
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.
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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.