Step-by-step process to getting the keys to your new home.
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Your Local CrossCountry Mortgage Loan Officer
Maribel Aparicio
- Sales Manager
- Walnut Creek, CA Mortgage Loan Officer
- NMLS # 275920
I’ll be with you every step of the way
Hi! I’m Maribel Aparicio, a bilingual mortgage loan officer with over 25 years of experience helping families and investors in California reach their real estate goals. I’m passionate about guiding my clients with honesty, care and clear communication every step of the way.
Whether you’re buying your first home, refinancing or expanding your investment portfolio, I’m here to make the process smooth and stress-free. I offer a variety of loan programs to help you reach your goals. From conventional and jumbo to FHA and VA, we’ll look at the details and tailor the experience to fit your plans. Start your journey with America’s #1 Retail Mortgage Lender.
I love being involved in our community and believe in building lasting relationships based on trust. Helping people achieve their dreams of homeownership — and financial growth — is what I love most about what I do!
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.