How much does it cost to refinance?

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. Learn more

How much house can I afford?

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. Learn more

What is a good credit score?

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. Learn more

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. Learn more

How do I calculate mortgage payments?

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. Learn more

46 Miller St, #1
Fairfield, CT 06824 Mobile (203) 913-4832 Tel (203) 635-6757 Jay.Tolisano@ccm.com
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Your Local CrossCountry Mortgage Loan Officer

Jay Tolisano

Divisional SVP of Production
Fairfield, CT Mortgage Loan Officer
NMLS #109296

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I’ll be with you every step of the way

Hi, I’m Jay, and I’m committed to helping you achieve your homeownership dreams. As the Branch Manager of CrossCountry Mortgage in Connecticut, I bring years of experience and a dedication to client satisfaction. I offer a range of loan options, from FHA and VA to conventional and jumbo, and I’m proud to represent America’s #1 Retail Mortgage Lender.

Join me for my Home Buying 101 Webinar, where you’ll learn how to work effectively with your real estate agent and loan officer, ensuring a smooth homebuying experience. I look forward to providing you with exceptional communication, service, and a home loan experience tailored to your goals.

Raised in Hamden, CT, and a graduate of the University of Connecticut, I’ve built a strong network of trusted referral partners and lifelong clients. My parents, who were hardworking business owners in healthcare and real estate, instilled in me a commitment to never giving up when faced with challenges, which I bring to every client relationship.