-
900 NW 17th Avenue, Unit 202 Delray Beach, FL 33445 Mobile (786) 547-4198 Tel (801) 607-1390 [email protected]
-
- 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
-
- Purchase
- Refinance
Gaby Alvarez
- Vice President of Lending
- Delray Beach, FL Mortgage Loan Officer
- NMLS #2008667
I’ll be with you every step of the way
Hello! My name is Gaby. Since 2019, I’ve built a reputation for my straightforward, no-nonsense approach to home financing. I make a point of ensuring clients always know where they stand in the mortgage process. Whether you’re a first-time homebuyer or a long-time investor, I’m dedicated to providing clarity, transparency and guidance every step of the way.
I’m proud to work with both English and Spanish-speaking clients, offering personalized service and expert advice in your preferred language to make the home financing experience as seamless and stress-free as possible.
Availability is key in this fast-paced industry, and I set myself apart with my unmatched responsiveness. Morning, noon or night, I’m just a call or message away, ready to answer questions and provide you with support to move forward confidently.
When you work with me and America’s #1 Retail Mortgage Lender, you’re not just getting a loan officer – you’re gaining a trusted partner who’s as committed to your goals as you are.
Gaby’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.