Your Vacaville, California mortgage experts
Your Future Our Focus
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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
- saturday:
- sunday:
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- Purchase
- Refinance
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
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.
Inspiration for your home loan journey
Duke’s testimonials
Meet our team
Barbara Kibby
- Loan Officer
- NMLS #248244
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 707-365-5536
- tel 707-205-3667
Alexandra Beddow
- Loan Officer
- NMLS #1230939
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 707-688-7127
- tel 707-345-1418
Jessica Gutierrez Soto
- Loan Officer
- NMLS #1139064
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 707-591-6933
- tel 707-591-6933
- fax 916-241-8943
Dee Petee
- Sr. Loan Officer
- NMLS #254821
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 916-214-4077
- tel 707-271-7755
John Oyoung
- Loan Officer
- NMLS #243371
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 916-838-7520
Manuel Prado
- Loan Officer
- NMLS #221541
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 530-613-1378
- tel 707-266-6921
Duke Crawford
- Branch Manager
- NMLS #230216
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 707-290-5323
- tel 707-220-8286
Holly McAndrews
- Loan Officer and Production Manager
- NMLS #889529
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 707-592-2163
- tel 707-592-2163
Tonda Herndon
- Loan Officer
- NMLS #214647
- 790 Mason Street
- Suite 202
- Vacaville, CA 95688
- [email protected]
- mobile 707-592-0125
- tel 707-615-6635
Our support staff
Ashley Perry
Executive Assistant
Nicole Hindmon
Loan Processor
Kendra Brummer
Production AssistantMy social posts
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.