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- Construction Loan
- Non-QM Loans
- Purchase
- Refinance
- VA Loan
Your Local CrossCountry Mortgage Loan Officer
Fernando Perez
I’ll be with you every step of the way
Hello! My name is Fernando. For nine years, my passion has been assisting individuals and families in realizing their dreams of owning a home. With a wealth of mortgage experience, I’ve helped clients navigate the complexities of home financing with unparalleled guidance and service.
I’m renowned for my expertise in a diverse range of home purchase and refinance loans, including:
- VA
- FHA
- USDA
- Conventional
- Construction
- Jumbo
- DSCR
Home financing is one of life’s most significant financial decisions. I approach each transaction with compassion, attentiveness and a singular focus on achieving optimal outcomes. By listening to your aspirations and concerns, I’ll ensure you are well-informed every step of the way.
Throughout my career, I’ve witnessed the dynamic shifts within the housing market and remained dedicated to staying ahead of industry trends, regulations and market fluctuations. This allows me to offer innovative mortgage solutions tailored to your goals.
Guides and resources
Calculate two mortgage loans to see which one will save you money
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.
Fernando’s testimonials
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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.