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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Wes Wolfe
- Senior Loan Officer
- Rockville, MD Mortgage Loan Officer
- NMLS #1588577
I’ll be with you every step of the way
Hello, I’m Wes Wolfe, a loan officer dedicated to helping my clients achieve their dream of owning a home. I believe that purchasing a new home is the biggest and most important financial investment a person can make. With years of experience in the industry, I know how daunting it can be to navigate the home loan process. That’s why I believe in providing personalized service to each and every client.
I enjoy helping my clients find what they need in a home loan and solve each problem with confidence and ease of mind. My top priority is ensuring that you receive a loan that is customized to meet your unique needs and financial situation. Whether you’re a first-time homebuyer or a seasoned investor, I’m here to guide you through the process from start to finish.
I’m committed to making the process as streamlined, seamless, and stress-free as possible. If you’re ready to take the first step toward your next move, I’m here to help you. Let me streamline the process for you and get you closed quickly and efficiently. Contact me today, and let’s get started on your journey to homeownership!
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.
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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.