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6 Main Street Ext, Suite 601 Plymouth, MA 02360 Mobile (858) 888-2433 Tel (508) 659-5473 [email protected]
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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
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- Purchase
- Refinance
Chuck Simonds
- Sales Manager/Inside Loan Originator
- Plymouth, MA Mortgage Loan Officer
- NMLS #1461395
I’ll be with you every step of the way
Hi, I’m Chuck, and I have over 12 years of experience in financial services and real estate investment consulting. I understand that trusting someone with the biggest financial investment of your life isn’t easy, but I look forward to being that trusted resource throughout the process. I’m passionate about helping you make informed decisions and feel confident every step of the way.
My goal is to make the homebuying or investment process as stress-free as possible while ensuring you fully understand all aspects of your loan and financial picture. I work hard to find the best loan options for your needs, offering a range of programs including conventional, FHA, VA, and jumbo loans. With my background in real estate investment, I bring a unique perspective to the table, helping buyers and investors alike.
At our Plymouth, MA office, I’m backed by the expertise and resources of America’s #1 Retail Mortgage Lender and am ready to guide you through your home financing journey from start to finish!
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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.