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4400 Highway 121, Suite 380 Lewisville, TX 75056 Mobile (817) 501-0866 Tel (817) 783-4831 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Janet Pruett
- Loan Officer
- Lewisville, TX Mortgage Loan Officer
- NMLS #1026177
I’ll be with you every step of the way
Hello! My name is Janet. With 33 years of experience as a loan officer, I’m dedicated to guiding clients through the home loan process with honesty, sincerity and education. Buying a home is a major milestone, and I ensure my clients feel confident and informed every step of the way.
At America’s #1 Retail Mortgage Lender, I offer many home financing solutions, including VA, FHA, conventional, jumbo, one-time-close construction, bridge and first-time homebuyer loan programs. I provide personalized service and expert advice to help buyers make the right decisions for themselves and their families.
My passion for my clients has earned me several awards, including:
· President’s Club
· Circle of Excellence (9 consecutive years)
· Give Back to the Community Award
Having been married for 40 years with two children and five grandchildren, I understand the importance of home and family. I’m committed to helping families of all kinds achieve homeownership. I look forward to working with you!
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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.
Inspiration for your home loan journey
Janet’s testimonials
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.