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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
Your Local CrossCountry Mortgage Loan Officer
Tracy Story
- Mortgage Advisor
- San Diego, CA Mortgage Loan Officer
- NMLS # 202304
I’ll be with you every step of the way
Hi, I’m Tracy, and for 16 years, the mortgage business hasn’t just been my job—it’s my passion. I pride myself on providing genuine care with integrity and honesty to every client. When you work with me at the San Diego, CA branch of America’s #1 Retail Mortgage Lender, I’ll focus on your goals and develop customized options to help you meet them. I’m well-versed in conventional, jumbo, FHA, VA, and USDA loans, and I offer extensive knowledge of underwriting guidelines to ensure a quick and smooth transaction. Whether you’re buying your first home, moving up, downsizing, or investing, I’m ready to make your mortgage feel like a win.
My consideration for you doesn’t end after finding the right home loan. From pre-approval to closing and beyond, I’ll be available on weekends and after hours to answer your questions and ensure your loan continues to meet your evolving circumstances. I’m excited to help you start your home financing journey!
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.