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- monday: 8:00AM – 8:00PM
- tuesday: 8:00AM – 8:00PM
- wednesday: 8:00AM – 8:00PM
- thursday: 8:00AM – 8:00PM
- friday: 8:00AM – 5:00PM
- saturday: 10:00AM – 5:00PM
- sunday: 10:00AM – 8:00PM
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- Purchase
- Refinance
Brandon Pratt
- VP of Mortgage Lending / Loan Originator
- Danvers, MA Mortgage Loan Officer
- NMLS #46922
I’ll be with you every step of the way
Hi, I’m Brandon, and with over 25 years of experience in the mortgage and real estate industry, I’m proud to lead The Pratt Mortgage Team at CrossCountry Mortgage. Over the years, I’ve managed many aspects of the mortgage business, including Risk and Loss Mitigation, IT and Facilities Infrastructure, Collections, and Secondary Marketing. Today, I use my vast experience to help clients finance their residential mortgage transactions in Massachusetts, New Hampshire, Maine, and Florida.
Whether you’re purchasing a second home, a multi-family investment property, or relocating, I’ll find the right mortgage product for you at the Danvers, MA branch of America’s #1 Retail Mortgage Lender. Superior customer service is always my top priority, and I’m dedicated to ensuring you receive the best loan and rate for your unique situation.
I’m actively involved in my community, serving on the Board of Directors for The Open Door Food Pantry and as a member of the Greater Cape Ann Chamber of Commerce.
Brandon’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.