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- 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
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- Purchase
- Refinance
Theoni Rapo
- Loan Officer
- Rockville, MD Mortgage Loan Officer
- NMLS #1527462
Dedicated to getting it done
Hello! My name is Theoni. With nearly a decade of experience, I’ve been immersed in the mortgage world since I was 18. A proud graduate of Washington College with a double major in economics and business, I bring a fresh, analytical perspective to the homebuying process. Whether it’s your first home or your next big investment, I create a personalized path for every client, helping them achieve their homeownership goals with ease.
Passionate about education, I believe understanding the mortgage and real estate process shouldn’t be a mystery. I simplify the jargon, demystify the ever-changing industry, and make sure my clients feel empowered every step of the way—before, during, and long after closing.
Now living on the beaches of Delaware with my husband and two kids, I balance my thriving career at America’s #1 Retail Mortgage Lender with a love for my family, sand and salt air. Follow me on social media for marketing insights, mortgage tips and a behind-the-scenes look at life by the beach!
Theoni’s testimonials
Guides and resources
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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.
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.