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Cris Fernandez, (NMLS ID 18989)

Cris Fernandez

Direct Lending Loan Advisor

NMLS ID: 18989

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Apply Now Contact me

About Cris Fernandez

I have spent the past 13 years helping current and future homeowners all over the country in realizing their American dream of owning a home or saving money to improve on their financial goals. During my career, I have had the pleasure of learning how to help the vast array of customers we service. Whether you are purchasing for the first time or a savvy investor, I am ready and able to assist in meeting your goals.

 

In my spare time I like to unwind by spending time with family, following my favorites sports teams, and trying out the different restaurants the area has to offer.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Languages Spoken

  • English
  • Spanish
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Cris Fernandez, (NMLS ID 18989)

Cris Fernandez

Direct Lending Loan Advisor

NMLS ID: 18989

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Apply Now Contact me

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Today's Rate

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1Rate as of 10/22/2021 10:17 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,030. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 10/22/2021 10:17 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,584. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  10/22/2021 10:17 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $967. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Cris Fernandez, (NMLS ID 18989)

Cris Fernandez

Direct Lending Loan Advisor

NMLS ID: 18989