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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Pierina Araujo
- Loan Officer
- Duluth, GA Mortgage Loan Officer
- NMLS #1820766
I’ll be with you every step of the way
Hello! My name is Pierina. I joined the mortgage industry after spending over nine years as a relationship banker, where I found my passion in helping clients understand their finances and guiding them toward their goals. Transitioning into home financing felt like a natural step. It’s a way for me to use my passion to help people achieve their homeownership dreams.
I specialize in helping first-time homebuyers navigate the loan process with confidence. I focus on conventional, FHA and VA loan programs, and I’m passionate about educating clients so they understand their options. My banking background helps me assess financial readiness and guide people toward smart decisions.
What makes my service special is the personal care I bring to every relationship. I don’t just process loans — I’ll guide, educate and support you through one of the biggest financial decisions of your life. I look forward to walking by your side at America’s #1 Retail Mortgage Lender.
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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.
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.