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  • 7284 West Palmetto Park Rd, Ste 110-S Boca Raton, FL 33433 Tel (407) 733-5168 Joel.Cenescar@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Joel Cenescar

  • Mortgage Loan Originator
  • Boca Raton, FL Mortgage Loan Officer
  • NMLS #1997948
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I’ll be with you every step of the way

Hi, I’m Joel, a Florida native, loan originator, and real estate agent—your guy for understanding every aspect of the housing market! My deep knowledge of local communities and both sides of the mortgage process ensures you’ll receive a second-to-none experience with me. At CCM’s Boca Raton, FL branch, I’ll provide personalized guidance based on your circumstances, helping you find the right loan product, whether it’s conventional, jumbo, FHA, VA, or a specialty program.

From applying to receiving your keys or completing a refinance, I’ll support you every step of the way, offering continuous updates and answering your questions. Communication builds confidence, and I want you to feel confident through every phase of your homeownership journey. No matter if you’re buying, refinancing, or renovating, I’m excited to work with you to make your homeownership dreams come true!

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • 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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