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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Lyssette Fernandez
- Mortgage Advisor
- Winter Park, FL Mortgage Loan Officer
- NMLS #2686787
I’ll be with you every step of the way
Hello! I’m Lyssette Fernandez, a loan officer with The Mike Williams Team at America’s #1 Retail Mortgage Lender. I help clients navigate home financing with clarity, care and confidence. With over 18 years of experience working alongside buyers and sellers, I bring a deep understanding of loan products and how to structure deals that close smoothly. My background as a real estate professional will help give you a competitive edge from pre-approval to closing.
Whether guiding first-time homebuyers or experienced investors, I’m known for my dedication, expertise and unwavering commitment to client success. I look forward to walking by your side on your homeownership journey!
On a personal note, I’m a proud mother of two who enjoys watching my daughter play tennis, jet-skiing with my son, and catching professional basketball and football games. I earned a master’s degree in public administration from Capella University and a bachelor’s degree from Florida State University.
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Calculate how much you can save if you refinance your mortgage
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.