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444 Washington Street, Suite 407 Woburn, MA 01801 Mobile (857) 777-9851 Tel (781) 222-9305 [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
Cinthia Arias
- Loan Officer
- Woburn, MA Mortgage Loan Officer
- NMLS #2486996
I’ll be with you every step of the way
Hi, I’m Cinthia, and I joined America’s #1 Retail Mortgage Lender with a mission to make a difference in my community. Based in Woburn, MA, I’m dedicated to helping everyone from first-time homebuyers to Spanish speakers and those who may be unsure about their homeownership dreams. With a focus on first-time buyers, Section 8 vouchers, construction loans, and USDA home loans, I provide the guidance and education needed to make homeownership a reality.
My background includes over 13 years in a non-profit, assisting underserved communities and trauma survivors. This experience fuels my commitment to advocacy and helping clients find their place to call home. Transitioning to home financing allows me to broaden my impact and support more people in achieving their homeownership goals.
Family is central to my life, and becoming a loan officer lets me balance work with spending quality time with my loved ones. Whether tending to my garden or enjoying time with my daughters and husband, I cherish the joy of nature, cooking, and making the most of each season.
Cinthia’s testimonials
Guides and resources
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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.